Cultural and demographic shifts are happening in this market.

However a learning opportunity presented itself, and I ran with it.  

Banks aren't exactly think tanks, the culture is to stay within the lines, dont take risks. 

For example, I ran some high-level estimates on painting, and my basic equation for an estimate was raw materials (based on sq feet) + labor (based on est. hours) = approximate estimate.

This area is defined by a glut of housing built to relatively high standards back in the day that needs rehab, very high new-construction costs, and a shrinking population culturally unashamed of thrift that isn't willing to pay the big bucks for premium housing because they know they can do better.

In all seriousness, I ran numbers left and right and nothing compared to the Smokies.

I ran a Facebook ad for my most empty property did it work?

Here's a list Matthew:https://www.biggerpockets.com/rei/colorado-real-estate-investment-clubs/Each group has its own culture.

Like anything, different firms have different philosophies and corporate cultures. 

I like Northern Colorado / college towns quite a bit due to cultural activites, cycling, and laid back lifestyle.