That's great you were able to save up 35k, which is a fantastic place to start and you can utilize a low down payment mortgage.Denver metro has a lot of great pockets that work for your goals with price and proximity to the mountains and the city such as Lakewood, Wheat Ridge, Arvada, west Denver (west of I-25), Westminster, Thornton and Northglenn.

Sometimes including utilities. 

That may not JUST be confined to the rental amount owed, but rather utilities, late fees, etc BUT that varies from state to state and you'll want to consult your state's Tenant Landlord Act and related laws.

I will honor their current rental agreements but plan on increasing rent as much as 70% (owner was paying utilities too) with the next agreement. 

I've used instagram for the same reasons everyone does (mainly sharing funny stuff with friends) but I've also made a decent little lead generation tool out of it. 

How do you approach someone who's living in a $1M house and driving his-and-hers $$$ cars and explain to him that the fact that his wife is endlessly determined to prove to her own mother that she could have more kids and turn them out better on Sunday by documenting it on Instagram is the main thing holding him back?

Then you have the utilities which can add up until you get it rented.

Then you could also get another STR somewhere else, as you could utilize a low down payment loan on the primary.Denver is a great area to invest, and I always prefer investing in your backyard!

The 50% that was saving each month for the down payment, now covers the Morgage and utilities, and with the phantom cash flow coming in now, it can now cover part of the mortgage as well.

Current plan is to save for the next 1-2 years, then utilize a physician's loan (one that accepts PharmDs) to fund the 10% downpayment of a triplex/quadplex in San Diego, CA to owner-occupy.Was hoping to get some perspective on the following questions:Any notable lenders of physician loans (accepting PharmDs) in CA?