$100k in the bank is EXTREME overkill.

Is this overkill?

You are missing some things, gfcis are not in place. 40 cb box is an overkill as well. is this only for one house?

Every property in it's own LLC is overkill, unless they're all bigger properties.  

They can possibly get water back up on their own policy as well, but this would just be for the personal property rather than fixing damage to the home.Personal Property coverage is normally 70% of dwelling if you feel like this is overkill, potentially you can ask for an override to lower the coverage.

Neither are wrong, but are very different.Many of our differences stem from what I see as your approach to note investing being slanted toward your type of operations and it seeming to be the "right way" as you have implied and in fact stated in the past as to you being the more "sophisticated investor(s)" as opposed to "street level" or "layman" investors with tones of being inferior in concept.Many of the approaches by institutional investors, who appease a pool of investors are not even applicable to the majority of individual note investors we have here, for example, the manager's rate of return is hardly applicable when that investor doesn't have overhead expenses, employees and investors, it's over kill and not appropriate.

That's not overkill, that is an important detail to understand as it sets the stage for the relationship with the Vendee and the property itself. 

You think that is overkill

., I'm trying to think back and we went through a couple of drawings, then there were labor costs to measure the existing structure, resurveying the lot (gained a foot) and hours billed dealing with DCRA and getting the permit since we apparently already maxed out the 60% allowed.My architect might be overkill if your project is simple and you're within what you're allowed.

Also, granite seems a bit overkill as well but a backsplash is cheap and makes a average kitchen look great. $2K for the new cabinets won't change your numbers much but if you have never done a kitchen before it might add a week to your timeline,