. -- Unincorporated counties -- historically, the more conservative, skeptical-of-regulation type of government bodies -- have clamped down.

Seems to me it would be a bit complicated with any sort of lending.

My question is… Do people promote buying rentals due to some sort of  personal benefit/conflict of interest?

An idle brain/body just begins to get worse if you stop using them.

Really looking for a coach of some sort- so appreciate all responses and input 

Maybe they've been burned by landlords in the past and are being very careful.You can legally reject them based on personality, facial tattoos, body odor, or other factors, but you better make sure you can prove that it wasn't based on any protected class like race, religion, familial status, etc.

I have not heard of one of those, but am gearing up to buy my second house and could possibly use some sort of loan program like that!  

If you have a PM that is stealing from you, they probably have all sorts of ways to prevent you from knowing that.I would be surprised if any licensed property manager is misrepresenting the rental amount on the statement.

The local/ state etc (governing body) may not just "give you" one.

This will get you 90% of the way there and should be sufficient.It works the same in a saturated area, it's just more to sort through.You are aware that STRs in Denver are allowed only in certain zones and you must live onsite?