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

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. 

This is NOT an investment for the typical, conservative investor.

I tend to be on the conservative end of estimations, as I'd rather plan for the worst so the deal can only be better.

If you're more conservative, you might want to increase your fixed income allocation.Income needs: If you plan to live off your investments in retirement, ensure your portfolio generates sufficient income to cover your expenses.Remember, this is a general guideline.

Calculate the mill rate plus 3% for conservative purposes.