My sense is that I have probably run across quasi-private (small company lenders, possibly backed by hedge funds or private equity cos) who will do higher LTV.I personally am not comfortable taking on high LTVs at this phase of the market so I dismissed them out of hand and didn’t even save their info, and I hesitate to even post something which isn’t specific/helpful, but I do feel that they are probably out there if you look hard enough.But I’d also caution you to read the loan terms carefully because my sense when I have occasionally run across these companies that will do higher LTV is that they were pretty sophisticated, so you would want to be careful in dealing with them to know what you are agreeing to.As I think about it more I think some of those lenders/programs were oriented to make loans to mainly experienced investors and rehabbers, so if you are relatively new to the game you might not fit into their profile.I wish I could give you specific companies (I think one might’ve been based out of Connecticut) but again I am relatively conservative when it comes to leverage so I didn’t bother to save the info.

I am open to any area in the Denver metro, but the areas I have zeroed in on are Littleton and Arvada, where I have OCCASIONALLY seen such homes on Zillow/Realtor.com.

I've also looked at roofstock.com and bestplaces.com data, though it occasionally differs from BLS and Census info.

Machines they need occasionally, rent as needed.Local laws will dictate what kind of business you can, can not, run from home.Of course, proper insurances are important not only for themselves but most owners and all gc’s they will sub for will require it.Don’t strive to be the cheapest...strive to do the best work and be dependable.

Occasionally, I've heard of 15%, but that's pretty rare and usually come with a higher rate.

There is some risk with this approach as occasionally you will run into issues during the rehabs and your projects will run over budget. 

VA is a great loan, but does have some preconceived downsides for some sellers and agents so occasionally there are roadblocks with getting your offer accepted in a competitive situation.

If the state defines whatever you are doing as transacting some form of business that requires you to register the business in the state, then that might determine where you have a legal obligation to incorporate.If whatever you are doing does often or occasionally require having to bring a lawsuit where you are doing business, most states will typically require you have to be registered or authorized in the state to sue.

I am looking for someone who can be on call and I would pay well for handy work for the occasional clog or the occasional leak.

Also, if you over pay you can have the remainder refunded back to you after the fact by the contractor, this happens occasionally.