I just would like to be conservative because I don’t want to end up in a situation where we are losing money instead of making it. 

Lenders have been more conservative than when rates were lower but worth exploring for sure. 

The house would be considered a capital asset, so to be conservative, I would estimate 20% of the gain for tax, plus an additional 3.8% for the net investment income tax if your total adjusted gross income (worldwide) is over 250k.

I happen to be more conservative and fearful about lawsuits down the road. 

However, be conservative on that. 

The banks are just very conservative in this environment.I met a gentlemen who came into my brewery (current location that I lease) and we got to talking about the general market and our plans to scale. 

For results, RE cost seg (our partner for full transparency) built a calculator that allows folks to see conservative and then more aggressive estimates.

**Loan-to-Value (LTV) Leverage**: Lenders might be more willing to take a second position if the combined loan-to-value ratio is conservative, meaning there’s plenty of equity in the property and the lender’s risk is minimized.5.

I feel like sometimes it will show info that's extra conservative and you'll scroll down and see a neighboring property doing 10-20k more in revenue.

You seems to be on a conservative side, which is good, it means your project will be calculated and less likely to fail but being conservative means also missing out on opportunities based on being to hesitant.