Above are just hypotheticals, but they bring to light the point, which is, evaluating opportunities requires apples to apples comparisons. 

There are dozens of check boxes, some of them matter, and Balance Sheet and capital accounts are now required.

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

One of my buy box requirements is the house needs to cashflow at least $500 per month or I am not buying it. 

Dwelling/Fire policies require that you request a limit for contents.3.

There's no way that investing in traditional LTRs can do what STRs in the right markets can do in terms of returns and ability to scale quickly.Typically the really expensive homes (i.e. 400k, 500k, 800k) don't cash flow positive as LTRs.

While they generated some cash flow, I found the effort required to manage them wasn’t worth the return.

@Jim Stanley Keep in mind any expenses of your SDIRA asset must be paid for by the account that owns that asset. 

I agree with the others here that say you need to have some skin in the game, if you are going to live there yourself, get an FHA loan rather than owner financing, you can get a 3.5% down loan, personally I do not love these as they require  PMI which is an additional expense, and you also need  bring additional funds for closing at least for taxes, title, attorney and transfer fees . borrowing from anyone else for the down payment, to include a personal loan from the bank is not a good idea, those again will be higher int. rate.

The capital required for Denver, and limited cash flow makes it a tough market to get your next one.