I own a small real estate brokerage in CO and I'm also looking to start a mortgage company or at least having some staff members licensed as loan officers. 

Hey @Kiefer Cheney - In many states, you must legally provide at least one free method to pay rent.Are you looking for management software or a digital way to collect payments?

Although you can get those wrapped into the loan by making an offer with seller closing credit. 6 months of reserves is a very comfortable cushion to have.

I wanted to use a 203k loan but have been told that it doesn’t qualify because it’s two separate houses. 

(Because they are another woman demanding attention/time/things from the hubbies, which the wives don't like)So good on you for using a lady loan originator!

I am also a loan officer so please reach out if you'd like to hit the ground running on your financing.

And what is the mix of guests (couples, entire families with kids, grandparents, parent visiting college students, hikers/water sports, college football fans) maybe theme it to what people think of when they go there or provide things that would enhance their stay (paddle boards, video games, theater room, kayaks, really cool beds that have slides etc).

The numbering on the left indicates it may be a state-provided form, but it's not well-written.

Can you provide a sample payoff letter you prepare or have received from your PML?

Get the loan first and then arrange things for however you want to do it