Just for going forward be more diligent with vetting.The fact you're open to this constructive criticism tells me you'll figure this out.

Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

I'd recommend house-hacking a duplex or triplex if possible to help limit your living expenses.

I'll send you a PM to chat further. we have up zone that just happened a lot of parcels allow for higher limits.

If anyone spends any time in Europe, barely any jurisdiction impose these limitations on homeowners/builders yet people live in much smaller spaces... and very happily.

The capital required for Denver, and limited cash flow makes it a tough market to get your next one.

If you are self-employed with no full-time employees you may wish to consider opening a Solo 401k instead of a self-directed IRA as it has several advantages over an IRA LLC such as much higher contribution limits, direct checkbook control (i.e. no need to have the account at a speciality trust company), ability to take a 401k loan, exclusion from unrelated debt finance income tax with respect to investment in real estate acquired with non-recourse financing, etc.Can I contribute to both a Solo 401k and SDIRA?

If I have a problem with my newspaper delivery or something equally non-critical, I'd like an answer or fix  now, but if it's later today or tomorrow, not a big deal. 

This strategy has worked out really good for us and allowed us to borrow limited income from other people for down payments. 

The area’s limited number of apartment buildings means that many renters prefer single-family properties, creating steady demand for these homes.Happy to chat further if needed.