I am as well in this same position!

There's no contest, although some other countries could work as well in specific niches.

Being able to enter a property with only 5% down means you can leverage your money way more effectively as well.

Hey Bigger Pockets Community,I hope everyone is doing well and continuing to navigate the ever-evolving real estate landscape.

. - Look for properties with a large backyard and/or detached garage that would work well with an ADU and learn the ins and outs of the new CO laws that essentially have rezone most of the state to require approval for new ADU construction.- Underwrite the property to breakeven or small positive cash flow as a standalone long-term rental to a single tenant.

The company may as well. 

I can confirm I am on the "For Sale" tab as well. 

It does well as it attracts medical, academic, athletic, and entertainment.

If you are only getting "fake" feel-good coverage through them, might as well get a skeleton policy from someone much cheaper.

Post back if you find another lender who serves you well, and I will add them to my list and pay it forward.