Obviously some are worse than others, but man, the Realtor in the photo below is comically bad.

Or can I get away with zero exterior photos? 

But if I sell it and put that money in the stock market and earn let’s say 8% I would make $40,000 on the same money.  

I'd use some stock photos till you can replace them.

Take it with a grain of salt as safety is subjective.You could also ask your Realtor and property manager their thoughts and maybe next time they are in the area to take photos.

Diversification Beyond the Stock Market: Real estate provides tangible, real-world value that helps hedge against market volatility—a crucial feature when building a resilient retirement portfolio.

Check out the photos of this house we just designed in Central Texas.

He went back inside and got another photo of the bathroom.

Leverage - someone mentioned Real Estate doesn't beat stock market returns and while that might be true in absolute terms, it's definitely beat the market when you consider leverage.

Unless there is an emergency situation, take a lot of photos and call your insurance agent before doing any repairs.