If this is normal, is there a typical industry standard mark-up?  

Fire suppression, fire walls needed, Sewer/Water/bathrooms/electical breakout, etc  Determine cost effectiveness.  

I've only seen loss of rental income pay out after a covered cause of loss (fire, water damage, sewer backup, etc.) triggered a loss in rental income for the investor.  

Also, they will not usually use the standard real estate contract for the area.

@Brittney HaryckiI think pitch decks are pretty standard :1.

Ft ranch home with new appliances ( Refrigerator, dishwasher, stove(electric or gas), washer/dryer, microwave etc and contemplating whether it requires and electrical upgrade from 100 amps to 150/200 amps.Currently the HVAC system installed for central heating/cooling is  15 amps)and there is gas water heater.Do you anyone know if this needs to a mandatory upgrade or any recommendations around the same and what it can cost to upgrade electric panel to 150 amps/200 amps?

Lot of good house in east side of the bay is setup for a good house hack and it is still way affordable for Bay Area standard lol

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You have your standard two-family layout.

@David Braut12% interest + 2 points and fees to draft documents is around industry standard.