Practical writing from Johnny Macias on the topics Colorado buyers and owners ask about most: the 0 to 3 Properties roadmap, VA and FHA loans, CHFA down payment help, rental income qualification and the landlord math he lives with.
An everyday homeowner can move from their first house to three properties. Here is the BUY, BUILD, CONVERT, REPEAT roadmap Johnny Macias teaches Colorado buyers.
Yes, you can keep your current house and buy another one. Here is how Colorado homeowners qualify for a second mortgage while converting the first home into a rental.
When and how Colorado lenders count rental income from your current home when you buy the next one: signed leases, the 75 percent rule, and what to prepare.
FHA and Conventional are the two most common Colorado home loans. Compare down payments, credit requirements, mortgage insurance and which one fits your plan.
VA loans in Colorado Springs: zero down, no monthly mortgage insurance, reuse rules, and buying near Fort Carson, Peterson, Schriever and the Air Force Academy.
From zero down with VA to 3.5 percent with FHA, 3 percent Conventional and CHFA assistance up to $25,000, here is what Colorado buyers really need to bring.
CHFA SmartStep, FirstStep, FirstGeneration and Schools To Home deliver Colorado down payment assistance up to $25,000. Here is how to use them in 2026.
Tapping home equity to buy property two: how a HELOC and a cash-out refinance differ, when each makes sense, and which fits your 0 to 3 plan.
House hacking in the Denver metro: rent out a room or a unit, cut your housing cost, and start building the down payment for property number two.
Sell and bank the equity, or keep the first home as a rental and start a portfolio? The decision framework Johnny teaches Colorado sellers.
Every post ends where the real answer lives: your numbers. Bring your file to a follow-up conversation and Johnny will show you which of these strategies fits your ladder, and which ones you can skip.
Bring Your NumbersWant a topic covered? Johnny writes what clients ask him most, so send the question you keep googling.
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