Brian Manning of Guild Mortgage and Chris Ratay of Ratay Home Sales and Remax Alliance will be hosting an investment seminar on Tuesday, November 7th. Light refreshments will be provided.


Tuesday, November 7th
6:00pm – 7:30pm
1035 Pearl St, Boulder, CO 


Brian Manning will discuss the financial side of investing in rental properties. He will review how investment income is calculated, when it can be used for qualifying on a loan, appraisal reviews, general asset and reserve requirements, and much more…

  • Types of investment properties
  • Non-warrantable condo overview
  • Down payment options
  • Property acquisition options
  • Accessing cash to buy properties

Chris Ratay will discuss the both the process of choosing a profitable investment property and also the in’s and out’s of successfully managing your property and tenants after your purchase.

  • Stocks vs Rentals
  • CAP Rate – property analysis
  • Negative Cash Flow?
  • Create an LLC, Setting up a business bank account (EIN#)
  • Management Options
  • Tenant Marketing
  • ACH Collections
  • Rental Applications, Leases, and Paperwork
  • Your maintenance support team


About The Educators

Chris Ratay is a RE/MAX franchise owner/partner, a team leader, mentor, and a full-time licensed real estate specialist. He personally sells about 1% of the local property transactions per year, earning him Elite Agent status.  His team members are involved in almost another 1%, and all the fellow agents at RE/MAX Alliance make up nearly 30% of the sales activity in the county.

A dedicated salesman with more than 25 years of sales and marketing experience, Chris also has a background in management and client relationships.  He excels at negotiations, creative marketing, utilizing technology, and thrives on problem solving.  Buying and Selling requires strategy and experience while limiting stress and managing expectations.


Brian Manning has been financing the dreams of thousands of satisfied homeowners since 1998. He’s built his business primarily through referrals from past clients, Realtors®, CPAs, financial planners and builders. His closed loan volume has ranked me in the Top 1% of Mortgage Originators in America as listed by Mortgage Executive Magazine in 2015 and 2016 and his team is proudly the most reviewed lender in Boulder – search us online to see for yourself.

In addition to helping clients finance their dream homes, Brian is an education provider in the state of Colorado. He’s presented hundreds of DORA approved continuing education courses to Realtors® and is a go-to source for accurate market information for both consumers and industry professionals.

Brian prides himself on educating clients about the variety of mortgage options available, providing the lowest possible rates, and keeping the process as painless as possible for everyone involved. It is his goal to be your mortgage lender for life.


Brian Manning is a licensed Loan Officer in Colorado for Guild Mortgage Company; Regulated by the CO Division of Real Estate. Licensed in the states of Colorado and Florida, NMLS #324952. The postings on this blog don't necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice.