Putting 3.5% down is going to severely hamper that.

I just don't want this to hamper it.

Most folks are hampered by a lack of capital. 

Like, does the short-term debt service I have now really hamper my borrowing capability for the length of that loan?

although this could hamper resale value.. but I have done that a few times. 

It just comes down to my investment philosophy- BRRR tends to hamper scalability on little deals like SFR's and duplexes. 

However don't hamper the sale with longer then a year lease.

Houses are super expensive in ft collins and buying there could hamper your future investing with no cash flow and high mortgage payments. 

“The physical-nexus standard hampered industrywide competition and kept valuable tax revenues from local communities.

The only thing you will have to be sure of before you make the purchase is that you don't mind living in the house for a year (or whatever the required period is), the loan type that you get will not hamper you/ or preclude you from getting a loan with the better terms when you are ready to purchase a home for you to stay in more permanently.