Hey Deborah, What terms are they offering?

Option B: Buy Duplex.

It is an entire program with participating lenders, and the process should be started before you start putting out offers on properties.Read more here:https://www.nj.gov/dca/hmfa/roadhome/index.htmlIf you need funds to close, I would probably suggest starting the process for your 401k loan now.

I personally have used Chase business checking and their credit cards that offer 15-18 months 0 APR.

@Hunter PurnellIf you're open to other options you could offload a handful of your properties, apply for a high cash value whole life policy, max fund it and then do a couple things:1.

Don't take offense if they reject your offer.

In your experience, is it common that tenant screening is not required by a landlord policy offered in the US/Colorado?   

Still, I like what they offer and think they are making a good job and know the market. 

There are definitely options here.

These small successes will build your confidence and skills over time while not taking any unnecessary risks.Use Online Resources: Websites like YouTube and home improvement blogs offer step-by-step guides and tutorials for almost any project you can think of.