.- My Goal: to have $10k/months of income to replace my day job.

There's no way to guarantee things won't break, there are only ways to protect yourself financially so you can replace those items.

Years ago when I started buying rentals I had some "interesting" experiences with cash tenants and I decided that in (Tenant Friendly Bay Area of) California when I had a cash tenant move out, I would only replace them with a Section 8 tenant.

I am replacing all 4 toilets.

I personally would have to have one of the windows replaced before I'd feel comfortable renting it, but that's just me and based on personal experience including a traumatic one from childhood in watching the apartment building next to ours burn in the middle of the night.

I will buy a replacement property at $1M, with $500K down.

Do you know the manger said they replace the whole accounting department that's why the redemption being deplay.

And are you asking for replacement value or actual cash value?

If you are getting ready to sell, you should replace the roof, not patch it.

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