Our 1 bd in Loveland rents for $525 and is in what I would call a working class, divorcee type environment. If you find a manager that keeps up the property, you'll be fine. I don't know very much about Denver area. The closer you move to Denver, the higher risk of crime. I guess my recommendation would be to find a price point that is "in the middle" becuase price is very much based on location, location, location, the other price point would be age of building. What I mean is find an area that you are interested in, look for prices above and below - in that area and see if $400 range is in the middle.
Fort Collins is beautiful, but you'll spend more for rent than Loveland. I would say between Long, FC & Love...FC is the nicest and has a great downtown area, followed by Long and then Loveland. Loveland, however, is a huge retirement community and has a very strong artsy influence. But to be honest, we are looking to move from Loveland. Never felt like we assimilated. But we are a young family and have offices in Boulder with a longer commute. But plenty of people live hear and like Loveland. Of the three towns, Loveland is the most politically conservative followed by Long and then FC.
Good Luck
