Lastly, make sure to rework your numbers on the conservative side. 

I focus on finding deals that meet specific criteria, and I always keep my underwriting conservative to make sure the numbers work even on a worst case scenario.Right now, my big goal is to land my first property, ideally 20+ units in Florida, and build a strong portfolio from there.

Lenders that don’t require an appraisal will perform a desktop appraisal but will typically have a very conservative view on the value of the property to protect the company’s investment.

Got a statement every month from a very reputable, conservative firm.

Am I underwriting conservatively, accounting for higher interest rates, inflation, and potential market softening?

It also keeps to a nationalistic conservative agenda, and without capitalism, it is just cuts to programs, and no investment into other areas. 

Conservative, aggressive.

And your central point I think, is to use conservative numbers so the deal still makes sense even in the worst case scenario.

Look for properties where you can add value with smart, targeted renovations rather than going overboard.Financing Strategy: Since you're aware of the leverage risks, keep your financing options flexible and conservative.

My underwriting is a bit more conservative than yours (and yours is more conservative than most I see).