If 10% is sufficient, do that and keep the remaining money as a reserve or for your next investment.

Paying off debt does not make you rich.You did not give enough information to assess whether adding a bath is the right choice, but let's assume you are correct.  

I started offering the choice between the two about 8 years ago, now everyone chooses a move in fee. 

Just curious how long you project to be a sufficient amount of time and data to ascertain if your projections of appreciation hold to model? 

Hopefully this is not some news to you, but sellers are no longer having to pay buyer agent commissions, now is a Choice, which might be confusing, but there is nothing to worry about. still, it doesn't change the fact that to maximize profit, it's wise for sellers to offer a buyer agent commission, attracting more qualified buyers to the listing. and for buyers, the main change is the need for a few extra forms and agreements before viewing properties. 

Make sure to do sufficient market research prior to jumping in...especially if you are considering STRs. 

If a defaulting taxpayer has more than one item to be sold, as soon as sufficient funds have been accrued to cover all of the defaulting taxpayer's delinquent taxes, no further items may be sold.

For a beginner, do you think this sort of setup is like building a huge fortress against an army of ants, Or is this something the client might like to have some choice about as a beginner.

A GOOD tenant has choices, you want to look at your value proposition to them.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.