Podcast
Denver Investment Real Estate
Hosted by Chris Lopez - Denver Investment Broker · EN
Denver Real Estate Investing Podcast
43episodes
Episodes
Newest firstAll episodes
#598: What Your Cash Flow on Equity Number Reveals About Your Portfolio
Jan 1300:43:50Tap to summarizeColorado’s real estate market just hit balanced status for the first time since 2012. The best Colorado real estate investing strategies in 2026 now require adapting to what Chris Lopez calls “the great stall” for single-family homes. Condo prices are forecast to drop another 4-10%. Multifamily has already crashed 15-30% from peak values. Meanwhile, builders are offering closing incentives reaching 7-13% on new construction. Private lenders are generating 10-20% annual returns. This matters because traditional rental cash flow now requires creative approaches. This is a replay of Property Llama’s flagship Portfolio Analysis Mastermind webinar. It was originally presented live to over 200 registered investors. Chris brings 20 years of Colorado investing experience as CEO of Property Llama and founder of Envision Advisors. His company has helped hundreds of investors acquire Front Range rental properties. This 100-minute workshop analyzes data from three major sources: the Denver Metro Association of Realtors, CoStar’s commercial multifamily reports, and the Colorado State Demography Office. The goal is to forecast where the Colorado market is heading and what investors should do about it. Chris reveals why 15,000 homes represents the balanced market threshold for Denver metro. He shows how all Front Range markets follow nearly identical patterns. Denver, Colorado Springs, Pueblo, and Northern Colorado all move together with 1-3 year lag times. He introduces the Cash Flow on Equity (CFE) framework. CFE shows how a paid-off property making $1,700 annually on $200,000 equity represents just a 0.8% return. That underperforms basic savings accounts. Chris doesn’t hide from uncomfortable realities. He explicitly states that Colorado’s “epic growth wave from 2010-2020 is over and will never return.” The drivers are clear: slowing population growth (down to 1% annually), rising inventory, elevated interest rates, and increased expenses. Watch the Youtube Video https://youtu.be/zbVhMrdS2Rs In This Episode We Cover: Why Chris classifies Colorado as a “yellow light” market – not amazing, not horrible, but requiring selective strategy The six strategies currently generating 7-16% cash flow in Colorado: new construction opportunities, room-by-room conversions, medium-term rentals, house hacking, private lending, and multifamily acquisitions How builder closing incentives work and why they’re offering 4.5% interest rates on new construction when market rates sit at 6.5% Why multifamily is experiencing negative rent growth through 2026 as peak vacancy hits Q4 2025/Q1 2026 from oversupply The three options for optimizing high-equity, low-cash-flow properties: keep and convert to better strategies, cash-out refinance to reinvest, or sell and unlock equity into higher-performing assets Chris’s personal portfolio strategy: shifting from 85% equity / 15% debt to a 50/50 balance over the next 3-5 years to maximize cash flow while preserving capital How private lending offers 10-20% returns with senior debt positions while fix-and-flip gross margins remain healthy at 24% despite market softening Live Q&A covering: ADU construction economics, when to sell multifamily, private lending risk assessment, wrap financing for house hackers, LTV targets for portfolio leverage Whether you’re analyzing your first fourplex or optimizing a 20-property portfolio, this market transition requires new thinking. You need to understand which Colorado real estate investing strategies in 2026 actually generate cash flow. Appreciation has stalled, so the old playbook doesn’t work. Chris provides the data-driven framework investors need to evaluate current holdings. You’ll learn how to identify underperforming assets through CFE analysis. You’ll determine whether to convert properties to higher-performing strategies, refinance and reinvest, or sell and redeploy equity. Timestamps 00:00 – Welcome & PAM Overview 03:22 – Chris Lopez Introduction & Background  05:53 – Colorado Market Trends Framework  07:50– Denver Metro Inventory Analysis  10:30 – Price Appreciation Charts 2007-2025  13:22 – Front Range Market Comparison  16:34 Crystal Ball: Market Predictions  18:06 – New Construction Builder Incentives  22:20  Multifamily Market Deep Dive  42:14 – Population Growth Reality Check  46:28 – Six Strategies That Cash Flow  50:52– Cash Flow on Equity Framework  52:47– Property Llama Software Demo  52:47– Property Llama Software Demo  57:15 – Three Options for High-Equity Properties  1:14:07– Chris’s Personal Portfolio Update  1:21:13– Q&A Session Links in Podcast 2026 PAM Resource Page Property Llama Chris Lopez’s 2026 Investing Plan YouTube video Detailed blog article Mountain Trends A BiggerPockets Guide to Co-Living Cash Flow Should I Put My Property In An LLC? Podcast and blog
Transcribe →#597: Stop Chasing Subject-To Deals - Why Short Sales Work Better in Colorado
Jan 600:43:50Tap to summarizeWhile most Colorado investors chase the same overpriced listings and compete on subject-to deals, Troy Miller quietly closes properties for $30K that will be worth $250K after renovation. These short sale real estate Colorado 2025 deals require skill and systems, but Troy proves you only need 5-6 deals per year to hit financial goals. The strategy isn’t new, but the opportunities are growing as more properties go underwater in today’s market. Troy Miller is the CEO of Colorado Recon (formerly ICOR), giving him a unique vantage point into what’s actually working across Colorado’s real estate market. He speaks with hundreds of active investors, sees deal flow from wholesalers and agents, and has built systems to handle the 22 hours of paperwork required for each short sale without sacrificing his lifestyle. In this episode, Troy breaks down two live short sale deals he’s working on right now. The first is a Pueblo property that was 73 months delinquent (yes, over 6 years) due to bank oversight and active-duty military protections. He shares how he navigated FHA regulations, threatened senator involvement, and is closing on a property purchased for $30K with conservative after-repair values between $250K-$280K. The second deal in Colorado Springs looked pristine on the surface but had expensive foundation and sewer issues lurking below – and how an appraisal ordered without Troy present is now creating a months-long dispute process. This isn’t a beginner strategy. Troy explains why the current wave of subject-to education concerns him and other industry leaders – improper execution could trigger federal policy changes affecting all investors. He defines the critical differences between subject-to and short sale transactions, explains Colorado’s unique 6-month foreclosure timeline, and shares why deals that are “underwater” (owing more than current value) create the best opportunities. In This Episode We Cover: Why short sales still exist and how to source them through networking instead of direct mail The exact paperwork process and 22-hour timeline to submit a complete short sale package How Troy uses virtual assistants to scale while maintaining his lifestyle (only 5-6 deals per year needed) Critical mistakes in subject-to deals that could trigger federal regulation Real numbers from two active Colorado deals: $30K purchase prices with $250K+ upside Navigating FHA regulations, Dodd-Frank protections, and bank disputes The “blue ocean strategy” – finding your niche where there’s less competition Colorado’s market remains challenging with tight inventory and high interest rates, but creative acquisition strategies like short sales offer serious investors a path to deals with healthy margins. Troy proves you don’t need to do 50 deals per year when you master one strategy and build systems around it. Watch the YouTube Video https://youtu.be/VbWq9FsTql4 Timestamps 00:00 – Welcome & Guest Introduction01:52 – Troy Miller’s Background – From Nonprofit World to Real Estate Investing05:16– – The Subject-To Problem – Why Bad Execution Could Trigger Federal Policy Changes 08:55– Subject-To Deals vs Short Sales – Critical Definitions for Colorado Investors 12:32 – Pueblo Short Sale Deal #1 – 73 Months Delinquent, FHA Complications16:32 – Active Duty Military Protection – How Dodd-Frank Changed the Game18:42– Deal Numbers Breakdown – $30K Purchase, $250K+ After Repair Value21:05– Navigating the 90-Day Deed Restriction During Government Shutdown27:32– Colorado Springs Short Sale Deal #2 – When Surface Looks Good But Isn’t29:47– The Appraisal Dispute – Bank Orders $325K Valuation, Reality Is Different36:45– Building Scalable Systems – Virtual Assistants Handle 22 Hours of Paperwork39:05– Finding Your Blue Ocean – Why Troy Only Needs 5-6 Deals Per Year39:41 – Resources for Learning Short Sales & Subject-To Strategies Links in Podcast Colorado Recon Next Event: January 24, 2025 – ColoradoRecon.com
Transcribe →#579: Insurance Expert Breaks Down House Hacking Protection In 2025
Sep 200:49:28Tap to summarizeEpisode Overview Colorado house hackers are facing record-high insurance costs – but this 25-year broker just revealed how to cut premiums by $1,000+ annually. Most investors have no idea that 75% of their insurance premium comes from ONE factor, or that Colorado insurance companies are literally losing $10 for every $1 they collect in premiums. Chris Lopez hosts an eye-opening panel with insurance broker Kendall Liedke (25+ years, 12 company access), mortgage expert Troy Howell (Nova Home Loans), and investor Jeff White (Envision Advisors) to break down the 2025 Colorado House Hacking Insurance strategies investors desperately need. Kendall drops bombshells including why your credit score difference between 760-850 can save $1,000 annually, how roof age controls 75% of your premium costs, and why having just ONE non-weather claim can get you declined by most carriers. Jeff reveals his three-tier protection strategy that lets him sleep peacefully managing dozens of rental units across Colorado. In This Episode We Cover: Why insurance companies require auto+home bundling (it’s not greed – here’s the math) $1,000+ annual savings from credit score optimization alone How 75% of your premium is determined by roof age (shocking breakdown) Why Colorado carriers lose $10 for every $1 collected and what this means for rates House hacking insurance strategy: One policy with endorsements vs separate coverage $500K liability requirement for tenants (costs only $15-20 more annually) Additional interest vs additional insured – critical distinction for landlords Three-tier protection strategy: Renters + Landlord + Umbrella coverage And So Much More! This episode could save Colorado house hackers thousands annually while ensuring proper protection. Whether you’re analyzing your first house hack or optimizing an existing portfolio, these insider strategies from a 25-year broker are pure gold for Colorado real estate investors. https://youtu.be/jqCT289j5l0?si=p4WNxMmQQyVV6OvU Timestamps 00:00 – Welcome & Panel Introductions 02:05 – Kendall Liedtke Introduction – 25+ Year Insurance Broker with 12 Companies 03:19 – Captive vs Independent Agents – Why Shopping Matters 04:46 – Homeowner’s vs Rental Policies – 4 Property Types in Colorado 05:53 – Should You Shop Insurance? – Broker Advantage Revealed 7:15 – Bundling Requirements – Insurance Companies Losing $10 Per $1 in Colorado 10:26– High vs Low Deductibles – 1% Wind/Hail = $5,000 on $500K Home 11:46 – Credit Score Impact – 760 vs 850 = $1,000 Annual Savings 14:36 – Claim History Effects – One Non-Weather Claim = Declined 18:20 – Roof Age Reality Check – 75% of Premium Tied to Roof Age 23:08– House Hacking Coverage – Don’t Take Shortcuts on Protection 25:08?– Short vs Long Term Rentals – 180 Days = The Dividing Line 33:40– Tenant Insurance Requirements – $500K Liability vs $100K Standard 40:47 – Colorado Dog Breed Law – No More Breed Discrimination 44:03 – Umbrella Policy Benefits – Tiered Protection Strategy Connect with our Guests: Kendall Liedtke: kendall.liedtke@trucordiainsurance.com Phone: 720-833-8421 Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Jeff White: Jeff@envisionrea.com LinkedIn: Jeff White Who is Nova Home Loans? For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO
Transcribe →#578: What Property Llama Learned From 2.5 Years Of Deal Testing
Aug 2600:35:26Tap to summarizeEpisode Overview Property Llama just broke records for the sixth consecutive month while most real estate funds are struggling with paused distributions and capital calls. This comprehensive 2025 Property Llama shareholder update reveals exactly how they went from survival mode to consistent record-breaking growth, and why their debt fund is tracking at nearly 24% annualized returns with 66% of new capital coming from repeat investors. Chris Lopez and Richard McGirr, co-founders of Property Llama, break down their complete transformation strategy in this detailed 2025 Property Llama shareholder update. Together, they’ve built a “small but mighty” team that can scale 3x without additional hiring by focusing ruthlessly on what actually works. This isn’t your typical feel-good business update. Chris and Richard reveal the hard truths about cutting two-thirds of their business functions to achieve laser focus, why their users average over $1M in property equity, and how they identified that real estate investors have one primary goal: income over everything else. They also share exclusive updates on their deal performance, including a build-to-rent project that received an unsolicited private equity buyout offer just three months after closing, potentially cutting the business plan timeline in half. Their success has attracted major national partnerships, with Richard now hosting Unlimited Capital on the Best Ever CRE network and Chris co-hosting BiggerPockets’ new Passive Pockets show. These partnerships demonstrate their “other people’s media” strategy for achieving national scale without the massive time and money investment typically required to build audiences from scratch. In This Episode We Cover: How cutting 66% of business functions led to record monthly growth Why their debt fund tracks 24% annualized returns while others struggle The bootstrap mentality that prioritizes cash flow over features How they identified what investors actually want (hint: it’s not 1031 exchanges) Deal performance updates across multiple markets and asset classes Why 66% of monthly capital comes from repeat investors How to build systems that scale 3x without hiring additional team members National partnership strategy with Best Ever CRE and BiggerPockets And So Much More! Whether you’re an active real estate investor looking to go passive or an entrepreneur trying to focus your business for maximum growth, this Property Llama shareholder update delivers specific strategies and real numbers from operators who went from survival mode to thriving while others struggle. Don’t miss Chris and Richard’s transparent breakdown of what’s working in today’s challenging real estate market. https://youtu.be/88podJh4qjg Timestamps 00:00 – Introduction 02:30– Pivoting, Surviving and Thriving – Launching During Market Shifts 03:25 – Property Llama Users Hit $1M+ Average Equity – Why This Matters 06:00 – Finding What Investors Actually Want -Solutions vs Features 08:52 – Right People on the Bus – Building Small But Mighty Teams 12:13– Systems That Scale 3x Without Hiring – Cutting Two-Thirds of Functions 14:20 Every Month Breaks Records – How Focus Drives Growth 17:04 – Des Moines Market Outperforming – 9 LOIs on Single Property 20:36– Build-to-Rent Gets Unsolicited PE Offer – Cutting Timeline in Half 22:31 – Debt Fund Tracking 24% Annualized Returns – 66% Repeat Investors 25:40 – National Partnerships – Best Ever CRE & Passive Pockets 30:25 – Second Half 2025 Priorities – Execute on What’s Working Links in Podcast Property Llama Website Passive Pockets Best Ever CRE Check out some of the Best Ever Episodes with Chris and Richard: JF 3959: Fund Structuring Secrets, and The Power of Personal Brand ft. Justin FreishtatJF 4001: Fund‑of‑Funds Playbook, Family Office Relationships and LP‑First Investing ft. Danny GouldCapital Raising Confidence, Authentic Investor Messaging, & Why He Avoids Multifamily ft. Ash Patel
Transcribe →#577: Denver's $1 Condo Gets ZERO Visitors (What This Reveals About 2025)
Aug 1900:52:09Tap to summarizeEpisode Overview A $1 condo listing in Lakewood just had an open house – and ZERO people showed up. This isn’t just a quirky real estate story; it’s revealing what July 2025 Denver market trends are showing us about a massive shift happening right now. While detached homes stay relatively stable, condos are crashing with prices down 7% year-over-year and financing options disappearing. Chris Lopez, CEO of Envision Advisors and host of the BiggerPockets House Hacker Show, breaks down July’s Denver market trends with Key Renter’s Brandon Scholten and Nova Home Loans’ Troy Howell. These aren’t just numbers – they’re revealing opportunities for savvy investors who know where to look. Denver’s active inventory just hit 13,995 listings – the same level we saw in 2011 during the post-recession recovery. Transaction volumes have dropped to Great Financial Crisis levels despite massive population growth. Meanwhile, most condo complexes can’t qualify for agency financing, creating a perfect storm that’s pushing desperate sellers to list at $1 just to get attention. Here’s what makes this episode different: We’re not just talking theory. Brandon shares real data from his property management portfolio showing which areas are struggling (hint: it’s not just condos), while Troy reveals why financing has become nearly impossible for many condo buyers – and what that means for cash investors. In This Episode We Cover: Why a 2-bedroom Lakewood condo dropped from $260K to $1 and still got zero interest How Denver’s inventory levels mirror 2011 despite Colorado’s population boom The financing crisis killing condo sales (and creating opportunities for cash buyers) Why room-by-room rentals are delivering the highest cash flow returns right now $100 million in downtown development funding – and why office conversions cost $146K per door How the Broncos’ land acquisitions are doubling property values in target areas Interest rate updates and the “magic number” that could unleash buyer demand Bottom line: While mainstream media talks about market stability, the data reveals we’re in a unique moment where informed investors can find deals that won’t exist once rates drop below 6%. Whether you’re looking at new construction discounts, distressed condos, or multi-family opportunities, this episode gives you the local intel you need to act. Don’t miss this deep dive into Denver’s current market dynamics – subscribe now for weekly insights you won’t find anywhere else. https://youtu.be/1R2kWR_B7rM?si=E_Pw8Aav8-hRie5i Timestamps 00:00 – Welcome & Introductions 01:21 – July Market Trends Deep Dive – Active inventory flat at 13,995 listings (down just 12 from June)03:16 – $1 Condo Listing Breakdown – Lakewood 2bed/1bath, 100 days on market, ZERO open house attendance07:24– Condo Financing Crisis Revealed – Most complexes can’t get agency financing, FHA eligibility issues14:23 – Inventory Levels Match 2011 Crisis – 14K active listings same as post-recession era16:32 – Transaction Volume at Great Financial Crisis Levels – Despite population growth since 200825:58 – Vacancy rises to 6.4% from 5.6% last year, new apartment supply pressures market30:15 – Construction Pipeline Update – 2,400 new units added Q2, 4,500 absorbed32:34 – Denver Eliminates Parking Minimums – “Housing crisis, not parking crisis” policy shift34:35– $100M Downtown Development Projects – Office conversions at $146K per door subsidy38:37 – Broncos Land Acquisition Continue – $10M warehouse purchase doubles 5-year value40:47 – Zeppelin Station Receivership Crisis – Former food hall hotspot now nearly empty43:22 – Interest Rate Update – Mid-6% range, FHA at 5.5% with points47:43– Investment Opportunities Wrap-Up – Room rentals, new builds at 20% discounts, multi-family deals Links in Podcast 10 Denver projects picked to get $100M in Downtown Development Authority dollarsWarehouse sells for $11M near possible Broncos stadium siteDenver no longer will require parking minimums for new developmentsNew food hall operator says he’s out as Zeppelin Station lists for sale Connect with our Guests: Brandon Scholten: brandon@keyrenterdenver.com LinkedIn: Brandon Scholten Website: https://keyrenterdenver.com/ Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver’s team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO
Transcribe →#576: Denver Multifamily Hits 40% Price Drop ( Opportunities For Investors)
Aug 12, 202500:41:51Tap to summarizeEpisode Overview Denver multifamily investing opportunities are exploding as properties just dropped 40% from their peak values. This market correction is creating the best investing opportunities 2025 has to offer for active investors willing to move now, while passive “wait and see” investors risk missing the bottom. Chris Lopez interviews Kevin Woolsey, Senior Advisor at MMG and Denver’s premier multifamily specialist who handles everything from duplexes to 200+ unit institutional properties. Kevin has his finger on the pulse of Front Range deals and shares exclusive insights about 2025 Denver multifamily investing opportunities from recent transactions showing properties trading at $130/door that were $280/door just three years ago. This episode reveals why the “prevent defense” strategy of waiting 6 months for better conditions is backfiring spectacularly. Kevin exposes how institutional investors with 30-40% vacancy rates are getting crushed, while smart money recognizes these investing opportunities present as the perfect time for strategic repositioning from weaker submarkets into prime Denver locations. In This Episode We Cover: How 40% price drops create massive acquisition opportunities right now Why properties in Cheesman Park trade for same price as suburban four-plexes did in 2021 Bank distressed properties already online (not listed on MLS) The difference between macro trends vs micro trends for deal identification Which Denver submarkets bounce back fastest as supply construction halts Specific due diligence steps for finding street-level opportunities Why active investors win while passive investors get left behind And So Much More! Don’t miss this critical market update that could reshape your 2025 Denver multifamily strategy. Whether you’re building your first portfolio or managing institutional assets, Kevin provides the insider knowledge you need to take action now. Subscribe for weekly Front Range market intelligence that no other podcast delivers. https://youtu.be/RCTadsEKYsU Timestamps 00:00 – Welcome & Guest Introduction – Kevin Woolsey, MMG Senior Advisor03:34 – Current Trends and Opportunities in Denver- Why Waiting 6 Months Won’t Work 06:19- Distressed vs Opportunistic Sellers – When to act vs when to wait09:17 – The Importance of Active Investment – Why “Survive Till 25” Failed 13:30 – Distressed Property Opportunities – Who Should Buy vs Who Should Wait21:33 – 40% Price Drops Revealed – Current Case Studies29:13– Institutional Deal Examples – $250/door properties now at $140/door33:09- Micro Market Intelligence – Street-by-street research requirements35:35 – Action Steps for Investors – Due Diligence Requirements 38:25- Bank Distressed Properties – Already happening, not listed on MLS Connect with our guest Email: kevin.woolsey@mmgrea.comPhone: 303-990-4361MMG Real Estate
Transcribe →#575: Are Triple Net Leases Really Passive Income Or High-Risk Investments
Aug 5, 202500:29:16Tap to summarizeEpisode Overview Denver landlords are being forced to sell their buildings because they can’t afford the property tax bills, exposing the hidden risks that make triple net investment analysis more complex than most investors realize. Many investors view triple net leases as “mailbox money.” However, the reality is far more complex in today’s Denver market. Meanwhile, tax increases of 100% are forcing landlords to reassess their entire approach to triple net investment opportunities. Kayla Mahoney runs the commercial division at Engel & Volkers Denver. Additionally, she has guided dozens of investors through triple net acquisitions. Furthermore, she’s witnessed firsthand how single-tenant properties can go from 100% occupied to completely vacant overnight. As a result, this leaves landlords scrambling to service debt while searching for replacement tenants. Moreover, her expertise in evaluating tenant creditworthiness has helped investors avoid common pitfalls. Subsequently, she structures risk-mitigated deals that protect triple net investment returns. This episode reveals why multi-tenant strip centers are outperforming single-tenant properties. Plus, you’ll learn how to evaluate corporate tenant stability beyond surface-level brand recognition. Next, Kayla covers the specific Denver submarkets delivering 5-7% cap rates for savvy investors. Then, she breaks down the value-add strategies working for triple net investment. Finally, this includes below-market rent repositioning and maintaining substantial capital reserves for vacancy periods. In This Episode We Cover: Why property taxes doubling on Santa Fe corridor properties caught landlords off guard How to evaluate tenant creditworthiness using Moody’s ratings and financial analysis Multi-tenant diversification strategies that reduce single-tenant vacancy risk Denver submarkets delivering compressed 5-7% cap rates vs 7-9% in emerging areas Why industrial triple net properties offer superior stability compared to retail Environmental liability concerns and who pays for ground contamination issues Restaurant property advantages including second-gen buildouts and drive-thru premiums And So Much More! Whether you’re a multifamily investor considering a 1031 exchange or exploring your first commercial acquisition, this episode provides the Denver-specific insights needed to evaluate triple net opportunities with confidence. Kayla’s practical approach to risk mitigation and tenant evaluation could save you from costly mistakes while identifying the deals that actually deliver passive income. https://youtu.be/b1m4lywk5W0 Timestamps 00:00 – Introduction00:55 – Triple Net Basics – What Tenants Pay vs What Landlords Think03:12 – Evaluating Tenant Creditworthiness – Moody’s Ratings & Business Performance07:26 – Multi-Tenant Strategy – Diversification Through Strip Centers08:28 – Denver Hotspots and Trends – 9th & Colorado + RiNo Success Stories10:20 Value-Add Opportunities – Below Market Rent Strategies11:42 – Property Tax Shock – 2x Increases Crushing Denver Landlords13:23 – Risks + Risk Mitigation with High Property Taxes 14:45 – O’Reilly Auto Parts Analysis – Amazon Threat to Retail Tenants16:45 – Environmental Liability – Who Pays for Ground Contamination18:04 – Restaurant Properties – Second Gen Advantages & Drive-Thru Value 20:43 – Lease Structure Strategy – 5-Year Options vs 20-Year Commitments23:30 – How to Calculate a Triple Net Lease24:23 – Industrial vs Retail – Which Offers Better Stability26:50 – Value-Add Opportunities – Below Market Rent Strategies Connect with our guest: Email: kayla.mahoney@engelvoelkers.comLinkedIn: https://www.linkedin.com/in/kaylamahoneycre
Transcribe →#574: Live For Under $1,000? 3 Colorado Deals That Actually Work
Jul 29, 202500:36:19Tap to summarizeEpisode Overview This episode breaks down three real Colorado house hacking deals that prove it’s possible even in today’s higher interest rate environment. From a $520K Wheat Ridge ADU to a $910K Denver fourplex generating $8,655 monthly, these aren’t theoretical examples. This is part of our 11 Strategies That Make Sense in Today’s Market series, following our recent episode on co-living strategies. Chris Lopez teams up with house hacking expert Jeff White (closing on his 9th property) and lending specialist Troy Howell to analyze actual deals that closed in recent months. Jeff reveals how his clients are cutting living costs by 50% while building equity and generating passive income in Colorado’s competitive market. The numbers don’t lie: A first-time buyer went from $2,000 monthly rent to living for $1,255 in a Wheat Ridge property that appraised $45K above purchase price. A young family is paying just $1,000 monthly in their Colorado Springs fourplex while cash flowing from the other three units. Jeff’s personal deal shows how experienced investors can still find $900+ monthly cash flow even at 6% interest rates. In This Episode We Cover: How to find ADU properties under $525K in desirable Denver neighborhoods Why 3% down first-time buyer programs beat FHA loans for house hackers Section 8 strategy that generates $1,650 for one-bedroom units Colorado Springs unincorporated areas with no STR restrictions 15% down payment strategy that eliminates PMI permanently Off-market deal techniques that saved $30K+ in purchase price Why relationship building leads to first-look opportunities And So Much More! Whether you’re a first-time buyer looking to cut housing costs or an experienced investor seeking your next house hack, this episode provides actionable strategies for Colorado’s current market. These deals prove house hacking remains one of the 11 strategies that still work when you know where to look and how to structure financing properly. Don’t miss our Ultimate House Hacking Guide for Denver – available on Amazon or at our monthly meetups. Subscribe for weekly episodes featuring real deals, market updates, and proven wealth-building strategies for Colorado real estate investors. Timestamps 00:00 – Introduction01:25 – Deal #1: Wheat Ridge ADU – First-Time Buyer Profile08:49 – First-Time Buyer 3% Loan Program10:18 – Rental Numbers: $2,500 Midterm vs $4,500 Long-Term14:52 – Deal #2: Colorado Springs Fourplex – Family House Hack18:20 – 10% Down Strategy to Increase Cash Flow 19:13 – Why Colorado Springs is Great for House Hackers22:28 – Deal #3: Jeff’s 9th House Hack – $910K Denver Fourplex24:03 – Off-Market Deal Strategy – Relationship Building27:09 -Troy Breaks Down Advanced Financing – $3,700 PMI Buyout on $910K Property32:58 – Market Opportunities in Second Half 2025 Links from Podcast Strategy Episode #1-Co-Living The Ultimate House Hacking Guide for DenverLumberjack Landlord Connect with our Guests: Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Jeff White: Jeff@envisionrea.com LinkedIn: Jeff White Who is Nova Home Loans? For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO
Transcribe →#573: The Most Important Colorado "Market Shift" In Years | Denver Market Update
Jul 22, 2025Tap to summarizeEpisode Overview Colorado’s real estate market just hit a shocking reality check that most investors are completely missing. While median prices in Colorado Springs jump 2% to $500,000 in a single month, Denver inventory surges 37% year-over-year, and builders are selling only 6 homes when they forecasted 50. This dramatic market shift is creating opportunities that haven’t existed in years. Chris’s Portfolio Move Chris Lopez, Co-Founder of Property Llama, joins the full crew – Troy Howell (Nova Home Loans), Jeff White (Envision Advisors), Brandon Scholten (Keyrenter Property Management Denver), and Jenny Bayless (Colorado Springs expert) – to break down the most comprehensive market data they’ve ever shared. Chris just withdrew his fourplex from the market despite zero offers, while Troy has two 4-plexes closing next week that actually pencil and Jenny achieved 100% tenant retention in one of the toughest rental markets in recent memory. The hidden opportunity most investors are ignoring: distressed sellers are everywhere, but nobody’s making offers. While hard money funds hit 19% delinquency rates and commercial real estate faces foreclosure waves, smart investors are securing new builds at 20% discounts and negotiating deals that seemed impossible just months ago. Cap rates in the high 5s to low 6s are the new reality, but creative strategies are still generating positive cash flow. Shocking market revelations that will change how you invest: Why builders with 100+ homes got only 26 showings in an entire month How investors now represent 27% of all home sales (highest in 5 years) Why mom-and-pop investors control 85% of rental properties while institutions own just 2.2% The syndication bloodbath wiping out investors who thought they were diversified Why commercial banks are finally starting foreclosure processes after years of extensions How to spot motivated sellers in death, divorce, and job relocation scenarios Room-by-room rental strategies delivering the best cash flow in today’s market And So Much More! This market correction is creating the best buying opportunities in years, but only for investors bold enough to make aggressive moves. Whether you’re a first-time house hacker or scaling your portfolio, the strategies revealed in this episode could save you thousands while others wait on the sidelines. https://youtu.be/Q48sp6Ptl0I Timestamps 00:00 – Introduction01:17 – Colorado Springs Market Trends – Median Price Hits $500K (2% Monthly Jump) 04:12– Lowball Offer Strategy Discussion – 85% Offers Getting Rejected 10:32 – Denver Market Data Deep Dive – Active Listings Up 37% Year Over Year17:43– Apartment Rent Growth Collapse Hits Colorado Month-Over-Month Declines 22:10 – Rental Market Softness – Year-Over-Year Rent Declines Emerging 27:39 – Investor Activity Surge – 27% of All Home Sales (Highest in 5 Years) 31:18- New Build Disaster – Builder Sells Only 6 Homes (Forecasted 40-50) 36:51 – Commercial Real Estate Distress – Banks Starting Foreclosure Process 40:28 – Syndication Bloodbath – Hard Money Fund Hits 19% Delinquency 48:15 – Buying Opportunities Discussion – New Build Discounts at 20% Off 55:58 – Market Predictions & Positive Outlook – Best Opportunities Coming Links from Podcast Denver apartment rents fall to close out first half of 2025Real estate investors are purchasing more U.S. homes as high prices lock out would-be buyersOnline betting giant buys downtown Denver HQ for $135MThe National Observer: Real Estate: Lenders, borrowers face tough decisions on CRE debt Connect with our Guests: Brandon Scholten: brandon@keyrenterdenver.com LinkedIn: Brandon Scholten Website: https://keyrenterdenver.com/ Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Jeff White: Jeff@envisionrea.com LinkedIn: Jeff White Jenny Bayless: jenny@envisionrea.com Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver’s team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO
Transcribe →#572: Colorado's New Law Creates MASSIVE Room Rental Opportunity
Jul 15, 202500:11:20Tap to summarizeEpisode Overview Colorado landlords are discovering a rental strategy that’s tripling their cash flow while solving the state’s affordability crisis. With traditional rentals struggling to keep pace with rising expenses and property values, smart investors are converting single-family homes to room-by-room rentals and seeing returns jump from 6.6% to 15% on their equity. Chris Lopez, Denver real estate investor and host of the Denver Real Estate Investing Podcast, breaks down why this strategy is working now more than ever. With House Bill 24-1007 lifting occupancy limits statewide and tenants unable to afford $1,500-$2,000 apartments, the $700-$1,000 per room model is creating unprecedented opportunities for both landlords and renters. A Westminster property owner recently saw his annual cash flow increase from $16,500 to $57,000 by converting his 4-bedroom, 2-bathroom home into an 8-bedroom, 3-bathroom co-living space. This isn’t theoretical – it’s happening right now in Denver and Colorado Springs markets. PadSplit, a national co-living company, entered the Denver market in Q4 2024 specifically because the numbers work so well here. But there’s more to this strategy than just adding bedrooms. Chris reveals the surprising #1 reason most room-by-room deals fall through (hint: it’s not what you think), why parking constraints can make or break your success, and how one Colorado Springs investor only buys corner lots to avoid neighbor conflicts. In This Episode We Cover: How to triple your cash flow using room-by-room conversions Why House Bill 24-1007 created massive opportunity for Colorado investors Real numbers breakdown from a $480K Westminster property conversion PadSplit’s 15-20% management fees vs self-management pros and cons The parking constraint problem that kills most deals Corner lot strategy to avoid neighbor conflicts and maximize parking Where to find Colorado-specific leases and resources for room-by-room rentals And So Much More! This strategy isn’t just about higher returns – it’s about solving real problems. Young professionals and essential workers can finally afford quality housing while landlords achieve the cash flow needed for their retirement goals. Whether you’re looking to convert an existing property or acquire your first room-by-room rental, this episode provides the Colorado-specific insights you need to succeed. https://youtu.be/xMLbL3QoSBc Timestamps 00:00 -Introduction- Colorado’s #1 Cash Flow Rental Strategy Revealed00:41– Property Llama Marketplace Launch 01:28 – Room-by-Room Strategy Explained 02:14 – Colorado’s Affordability Crisis 03:52 – Westminster $480K Property Case Study6:00 – Padsplit-Solution to Room-by-Room Property Management8:00 -Self-Managed vs Professional Property Management10:58 – Next Episode Preview Links from Podcast Padsplit Website- https://www.padsplit.com/ Property Llama Marketplace – Sign up for your free account here Room-By-Room Course– How to Self-Manage Your Rental on Autopilot Email Chris Lopez- chris@propertyllama.com
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