Many companies have left the state entirely.Insurance is a simple math game. 

So you will need to have skin in the game.

When it comes to a lifestyle property, it's another ball game and all the comments you wrote make total sense, especially for people who like similar things in life.

We can all do the digging game and question who should have a bigger voice.

You just have to get in the game, learn, and adapt as you go. 

Real estate is a relationship game.

My dad and I (both with access to VA loans) are about to get into the multifam game and how we proceed is really going to depend on the true occupancy rules for the VA and our lender.

They openly state their game plan in podcasts and how easy it is to evict people and just take over their home because they can’t afford to move it!  

On the flip side the clients I fund in my land deals are doing very very well in the foothill subdivision 50 miles or so west of the springs.. but thats the land game buy low sell high.. cant wholesale that stuff it needs to go on MLS to marketed and turn around time is generally 90 to 180 days but nice margins for my clients ..

Stay consistent, set clear goals, and remember real estate is a long-term game that rewards patience and persistence!