If maxing out the Roth makes you uncomfortable, then put in half the maximum. 

If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

I do believe i have to get a little uncomfortable to grow.

If there are any inconsistencies, we deal with it in the beginning rather than the end. my normal routine when I get a HML and I don't do many maybe 4 or 5  year for overflow when I am at my limit with my commercial banksits bank statements and list of closed projects ..

It won't be spot-on, and I wouldn't bid the job using the number or apply for a loan using the number - but I would and routinely do use it to determine whether or not a given wholesaler's deal is worth investigating further (spoiler alert: it's usually not).As I said in my first post, you'll need to update the numbers since it's been a few years since the book was published, and labor & material prices haven't really rebounded since Harvey.

If the tenant is uncomfortable, I wouldn't push it.

You also want to be forward thinking on your process to handle routine items with your tenants. 

Also, some turnkeys routinely added as much as $40k to their flip, but with a downturn in real estate markets, that will shrink drastically.If it's your first deal, maybe markup the flip about $5k?

If you have a busy 9-5 routine but have the money to get started and don't have enough time, turnkey companies provide some of the best resources to scale your portfolio.

A good daily routine to get into @Sam Dorgalli is to set a schedule of at lease 4 days a week, of 1 completely uninterrupted hour, and in that time you set a required personal quota of searching the MLS, to identify no less then 4 properties that you will do a FULL workup on.