Since you plan to theme it and didn't put a number to that, lets just say $75,000 conservatively, including garage, bedrooms etc.

Additionally, it’s helpful to educate tenants on ways to conserve utilities, such as using energy-efficient habits.

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?)