Perhaps it is worth exploring the reason a naysayer is a problem.  

When my current tenants move out I'm considering exploring this option to encourage a long term tenant.  

Our realtors reputation is what gets us our houses, on the other hand, they have to preserve it too.

Have a conversation with the association to get their side of the story and build a relationship (they have a great reputation in town so wondering why they've gotten into this mess).

you will need a private money second or a money partner.Things to watch out for: Only use a reputable lender, watch out for all the fees (appraisal, loan app fee, processing fee, notary fee, points, etc), be careful of those who may promise one thing but have more intention or ability to perform on it (over promise, under deliver), and make sure you fully understand all the docs you are signing.

As long as you're reputable, and I know you so I know you are, then I think having a real estate sales license is mostly upside.  

I've been exploring the option of investing out of state since CO has become such a tough place to get good cash flow.

I'd love to rent to a family, I should definitely do a better job exploring that option. 

Originally posted by @Bram Spiero:@David Dachtera, that's avoiding the question by sprinkling some meaningless platitudes and making assumptions about the person asking the question.No shame in charging for education but I've found that when pricing is a mystery that needs to be discovered only after demonstrating my willingness to spend, it's best to stay away....and that is an excuse for not making an intelligent exploration of what you're buying so you understand the value when you see the price. 

For Credit Unions, I've heard people like working with Numerica, but don't have experience with them myself.Rob Rowley has a great reputation as an attorney and I consider him as the one I use.