Property is well kept; Added refrigerated air replacing the swam cooling system that was there when I purchased it.

You don't sell refrigerators to Eskimos, hair curlers to Nigerians, or rentals in a market with no renters.2. 

I think I will call fair housing and ask them directly just to be sure. she had a large sticker on her refrigerator that was a picture of her son, and I picked it up and the spot underneath the magnet was significantly whiter than the rest of the fridge.

Typically, at today's prices, to keep a house in good condition long term, you probably need to reserve about $400-500 per month for things like roof, HVAC, water heaters, new flooring every 10-15 years, new kitchens and baths every 10-15 yrs, etc.And remember, if you are looking at "high cash flow" areas (also known as lower end areas) with lower end rents, a refrigerator that goes out does not care whether you are getting $500/mo in rent or $5,000/mo, so using a percentage of rent, as commonly practiced, is not a good strategy.  

Yes, they should be responsible for the refrigerator.

I had a couple of bigger capital expenses - had to replace the refrigerator and an entire queen mattress/box spring set in one of the rooms, and I added a few things - fencing and some landscaping - but everything else was pretty normal stuff. 

Here's what the quote covers:- Conversion of 2 bedroom, 1 bath main house to 3 bedroom, 2 bath (~1040 sf footprint)- Demolition of existing walls (existing dining room wall, wall between kitchen and living, bathroom closet)- Finished Shell (Reframing opening to living room and kitchen, shifting openings for bathroom/bedroom, new walls at bathroom and dining, level - Replace all aluminum windows with fiberglass windows and screens- Upsizing plumbing, and relocating fixture locations as necessary- Upgrading electrical panels- Assume heat pump and ductless mini-split for heating and cooling- An allowance for kitchen appliances including combination range, hood, dishwasher, microwave, refrigerator, and washer/dryer- An allowance for mid-grade plumbing and lighting fixtures (Delta, Kohler, or equivalent)- Mid-grade plumbing and lighting fixtures (Delta, Kohler, or equivalent)- Ikea cabinets or equivalent with solid surface countertops, includes island- Assume solar system to be installed on the house including battery storageFor the garage ADU, the garage would need to be demoed and rebuilt, but we would benefit from building within the setback since the garage is on the property lines.

If you provide a refrigerator, if it breaks through age or no fault of the tenant, it's your responsibility to replace it.

From your listing: Appliances included: Dishwasher, Dryer, Microwave, Refrigerator, Stove, Washer. 

Make a list of all assets and their components (how many roofs, refrigerators, heating systems, etc?)