Originally posted by @Tyler Jahnke:my monthly cash flow would be $375-$400 per month, depending on how conservative I am on expenses.

They offer good rates but can be more conservative with terms.

Are these too conservative?

We like being aggressive in stock market investing but more conservative in real-estate given that we plan to use that for cash-flow eventually.The options are:We expect to have $200K/year in taxable savings the next 5 years (barring a job loss)- Pump all savings to the stock market & keep the current rental properties as-is and payoff the properties over the next 15 years using cash-flow for snowballing.

Use conservative AirDNA projections (e.g., 50% occupancy, $1,000/month net) and factor in cleaning, platform fees, and utilities.

Understand why conservative underwriting is desired. 

So for the conservative busy professional that just wants to buy a clean house that is the attraction to turn key..

ARV: Be conservative on your ARV since the appraisal concerns one person’s opinion.Timeline: Whatever a contractor says, add 4-8 weeks and budget for those holding costs. 

Assuming a very conservative valuation of 60k per property (I think upstream you said they were closer to 90k or something?)

In regards to the numbers you're calculating they seem to be relatively conservative in my opinion, to be direct it's more than I use for homes that are in good condition.