I'm starting to lean towards this having enough problems that despite the massive monthly cost savings, this program just is not consistent and reliable enough if this is your business instead of a hobby.

And assuming that loan does not have a "due at sale" clause on there that would give you a massive balloon payment. 

I am shocked that an increase could come at this scale YOY and am considering deploying the capital elsewhere to prevent any future loss on valuation.Have any other owners in CO or nationally experienced a massive increase like this in 2024?

This could allow you to get into a higher cash-flowing property without needing that massive down payment you’re talking about for a HUD loan.If you’re open to discussing this further, feel free to connect—I work in the Indianapolis area, and we specialize in helping investors find value-add opportunities in growing markets.

Massive Action Taking.

If anyone plans on trying the 40k Flip program the advice I can give you, is  to make sure you are dedicated, take massive actions never give up even when things seems hard, they will get better.

Additionally the city is having massive population growth. 

That being said I don't think it's a massive drawcard. 

Specifically, we have a commercial property in California that recently had a massive increase in the fire insurance premium.

Tourism, remote workers, digital nomads, snowbirds, retirees, near shoring induced economic boom, growing middle class, massive population (growth) and geographical location.