There are many great company's and loan officers, but finding the right combination of products, experience, knowledge and willingness to work in that side of the business can be difficult to nail down at times.

I just graduated college with a Marketing and Business Adminstration degree (I worked throughout and had military assistance so i was able to graduate debt free.

We would love to do in such a way that it would improve his Debt-to-income ratio, which is a challenge for him at the moment, especially after having acquired this loan on the current $550k home in Denver.

Before I get too excited, I have some questions and ask for any tips for a newbie getting into the business.First: I have spoken with many financial planners and they say to have 3-6 months worth of bill money in a savings account before even venturing into investing, currently My wife and I don't even have one month (we used our savings to pay off all debt).

To put it simply, you aren't cash flow positive until your monthly rent receipts exceed monthly debt service and all of your expenses, and that can take some time to raise rents.  

.- I execute "subject to" contracts with each property, servicing the refinanced debt and collecting any cash flow.- I update/rehab the properties- We refinance/transfer title/"sell" or???

I had one guy who tried to borrow money from me do this to about 20 plus people and the state put him in federal prison.. it happens.So there is a down side to this and the down side is to the seller not the buyer.. therefore sellers need to be careful and retain an attorney to walk them through the risks that they take allowing a loan to remain in their name and title to transfer.. that's the point.of course us buyers we don't care just like you mention it don't work walk away you don't owe the debt personally.. that's just not the moral or ethical compass I would follow.. 

@Nicole Heasley The more times you go through the process the easier it will be to know what banks want to see but in general,  A personal financial statement (list of debts and assets--shows net worth), a summary of your current cash flows (shows where your money comes from and goes to AKA a global cash flow statement), tax returns (for non commercial loans), a bio (tells about you and your team), a deal summary (info about the current deal) and maybe a summary of prior deals that are similar that you have done

We believe this is because they are not familiar with note investing, crowd-funded investments, commercial real estate investing, debt investing, etc. 

I'm not fond of holding large amounts of debt, something I know I'll have to get over to be successful in the market.