In the past few months I've found that many of them are still trying to create the systems needed to ever have a more passive business.

., but folks at that income level are more likely to be looking to rent in Denver, a more desirable suburb, or purchasing a similar home in Thornton themselves as a starter home. 

Lender 1 likely identified upfront that rental income would need to be "counted," and in a more consultative fashion set your expectations accordingly.

@Ashley, I noticed that you've posted a similar post on virtually every potential team-member you could need for real estate investing.I would recommend that a more effective strategy would be to go to the BiggerPockets events tab and find local REI meetups in KC.

At this point it becomes somewhat of a moral issue.

This is a moral decision they need to come to understand, so I would not take advice from such a person. 

I think its only for startups who can't afford a more private space.

I have decided to undergo a more comprehensive renovation of the property so as to determine the root cause of any issues and ensure any underlying issues are resolved. 

He later told me that the method I presented him with could possibly work with a more risk-averse lender, but our market is very diluted with credit risk.Still, I was left with the question, how difficult is it to find a lender who will be on board with a BRRRR refi? 

An investor friendly real estate agent will be able to run a more in depth analysis for you.