You've surmounted some big obstacles.

I will definitely let you know if I come across an obstacle that I feel you may have already encountered.

I've done my research and feel I understand enough to make the leap, however the only obstacle left is finding financing.

You'll be surprised at how few people follow that simple advice.TIP #6-If 85% of the sold market is in single family detached less than $275k then that is where you should be.

What obstacles did you over come along the way, creatively?

I know this is just my silly excuse but this has become my biggest obstacle! 

As Warren Buffett said "It's human nature to put obstacles in front of us."  

It's NOT an unpermitted in-law unit, or we've got an issue, and there needs to not be a tenant [or cousin Joe...] in there.It takes about 15 minutes to turn an unpermitted unlawful zoning-violating end-of-the-freaking-world in-law unit into a perfectly fine storage shed and/or detached work area in our market.

Yes that is the biggest obstacle I see also.

Just looking at my local stats, Fort Collins has less than a month supply of homes with an average sales price of over $387,000 (that's including both attached and detached).