Paying off properties is the extreme in conservative investing and will impede your growth.Using leverage wisely is smart investing where as paying off income properties is tantamount to  hoarding of useless cash.

Ultra conservative investors buy with cash and pay down mortgages earning a return on their equity equilivant to the prevailing mortgage interest rates.

I was very conservative in my opinion.

Think these numbers are a little too conservative for the rehab/holding costs.

I also know that those educated by Brad tend to be pretty conservative in their underwriting.  

I believe RDU could have improved by setting one clear, conservative expectation that applied to all properties.RDU’s systems & tools have consistently fallen short of meeting my needs.

My equity is about 30K+ in each conservatively.

Also, incase of a market decline i would base ArV on the more conservative side at 115.

Lawyers as a profession are conservative by nature in their practice, and it even took me a few years before I spent the time to learn the TX series LLC statutes and offering them as a service. 

They would tend to be conservative on the estimate, I would imagine.