Unless you have a specific monthly target for your payment you can spread that out to make it a Win/Win.There has been a lot of growth in Denver over the last 2-3 years and new builds as well I just closed on a home for a customer in commerce city they also moved from CA and needed a fresh start. 

Their customer support is terrible and some of their software, but they have about 8x the site traffic in general than Airbnb and VRBO combined, surprisingly.  

•Explore private lenders or hard money loans if you need higher leverage, though the interest rates will likely be much higher.

All is not lost, if you can find a seller of the apartments who is alos willing to finance the purchase for you;  Or look for a private/hard money lender.

We have retirement accounts, a small private stock market account, and an emergency fund. 

As an example, we joined an expensive, but exclusive private networking group 12 years ago.  

I’ve had great experience with private landlords in the past, and have found fellow pet lovers that didn’t charge pet rent, or accepted my larger dog (when he was alive) to live in an apartment without hassle.

The content is not proprietary - it's freely available on the web, but the presentation is my private property (my research, copyrighted IP). 

They have good customer service, good online access, and take series LLCs.

I believe they have taken over a lot of CR of Maryland customers.