The last house I bought on the MLS was for 215k, and a week after I closed USAA wrote me a check for roughly 1k because I used an agent that they recommended.VA home loan - more of a trap than a benefit for investors:  I'm not sure how the only 100% down payment assistance program in the nation (currently) is a trap? 

Banks that operate within only CO have different lending options than national banks.

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Do I need to just find a national bank or portfolio lender at this point?

Has anyone worked with any local banks they are happy with and understands various investment strategies or should I just deal with a National Bank instead? 

Do NOT buy something from a national home builder.

@Alex Speiser BRRRR is a cash acquisition strategy...I get calls routinely from guys that try to do this with loans and get killed...some to the point they pause any investing for years...you're looking for extreme discounts and buying at 50-60% of value...for cashThe problem with the hype around BRRRR is nobody is really honest about this...BP doesn't help much by pushing this technique to every new investor in the nation...this is not a beginning strategy.

@Joey Allison I talked last week with one of the national banks that has offices in AZ and was quoted a commercial real estate loan rate at 4.5%, 20 year amortization with the typical 5 year reset. 25% down.

Based upon national avenuerage assuming nothing else you'd be looking at 2,200 for someone reputable, insured.

I did some research and 10k is a pretty good steal especially for 3, but then there are also transporting costs, etc.