The risk is too high of losing everything.

We specialize in helping investors access opportunities in both residential and commercial markets, leveraging our network and industry knowledge to identify high-potential deals.

If you really like the place but you feel that it is priced too high for your budget, instead of saying “it’s priced too high” and insulting the seller, simply say “I absolutely love your place; it is exactly what I want, and I’d really like to buy it.

I'd keep 70% as a base and shoot for 90%+ on the high end.I think I'd be pretty happy with 90%. 

They taught me how to professionally engage the brokers and sellers and submit all-cash offers using THEIR cash. 

I am also a Denver investor and resident :) I would highly recommend taking a look at the BiggerPockets agent finder, that will give you a shortlist of some agents you can interview and agents on BiggerPockets are investor friendly who tend to specialize in finding investment opportunities versus average agents who focus on helping families find homes. https://www.biggerpockets.com/business/finder/agentsMy best advice is come up with a couple questions, take the time to meet with each agent over coffee or at least have a phone call.

I get FinTech is a high-risk activity, but imagine the industry will consolidate to one or a few strong players.

If so, how do you trust you're getting a quality tenant that is safe?

If you inherit a tenant and they have been a good tenant, I see no reason to suddenly ask them to submit an application for a potential lease renewal. 

I'd highly recommend attending some local reia meetings.