I think carpet in bedrooms is fine.

I think the trick to Denver for most people is to buy something you can afford, grow your W-2 income over time, and turn your primaries into rentals whenever it makes sense to do that, rinse and repeat until death. 

This is a pretty unique restriction and I would think LESSEN the home's value considerably.

I was thinking the same thing.

I do think in this instance, you may want to try a local CU if you have an easy time qualifying for conventional financing 

Long-Term Relationships: He felt that most people in the industry were too focused on the deal in front of them that they weren’t thinking about the long term.

I was thinking I'd give him an extra $1000 cash when we're all refinanced.

That got me thinking though... there's got to be people out there lending on deals even if they don't have a big portfolio(s)....

Baahhh, Seri tell me what to think.

If that doesn't work, you could charge them a reasonable fee for both issues and just let them sue you in small claims court if they think it is worth it.