When I do it for me and my clients, we go very conservative to give better expectations of the transition process, than if it goes better, great!

Not knowing much about your overall finances, I would say having a conservative amount of debt on the property is a good thing.  

This reserve amount represents roughly 2–3 years of projected repair costs, which might be a conservative approach, but it gives us a buffer for unexpected, high cost repairs when they pop up.With a larger portfolio, the reserve pool wouldn’t need to grow proportionally, as funds and repairs can be balanced across properties, allowing costs to offset each other over time.

My thought process is, if I take $50K and put it towards Norada that $50K is being put to work more aggressively compared to other money that is in more conservative investments.

I'm conservative in nature, but am looking for the push to jump in at some point.

How are they underwriting the deal and what assumptions are they using and are they conservative or aggressive?

Bitcoin is growing twice as fast, and taking a conservative calculation based on current growth, there will be a billion users by 2024. 

A lender will use market data, conservative comps, and always side on the fence of "what if" - as in, what if they have to default you and take over the property?

make sure you do conservative underwriting.  

@Caleb Brown Thank you for commenting and yeah I was definitely planning on trying to be more conservative with my spending as part of getting my finances back on track as I mentioned.