You can save the money on premiums but run the risk of having to pay for everything in case things go wrong. 

Hi Nicholas,80% LTV is about the top of the market for hard money loans.LTV's in the hard money space rental space will generally range from 60-80%, and depending on the lender you may pay a premium as your leverage increases.Hope this helps,Michael

I think that it is around $220k everything repaired and $250k with more premium finishes.$70k in cost to repair to lower end and $90k to top end.

if you are gonna build new, I would pick a premium area and lot. 

The mortgage insurance is cheaper and  rates will be better.If you go decide to go the 3.5% down route and go for FHA, there's an upfront Mortgage insurance premium of 1.75% (financed into your loan amount) of the loan amount and then an additional .85% that you'll pay each month for the life of the loan. 

Mine covers for up to $2,000,000 in liability and the premiums are very reasonable.

For the greatest appreciation, you will pay a premium for areas such as Wash Park, Highlands, Sloan's Lake, Cherry Creek, etc. 

Private landlords seem to be more flexible than the larger property management companies and we know we need to offer a higher security deposit/rent premium.

*edit:  %s were 5.625 vs 5.5 vs 5.125 in one scenario we had

Call an insurer - you can either pay the premium annually or monthly.