I'm not thinking a huge amount, but something so they have skin in the game.

Fiberglass lasts longer, is more dimensionally stable (less bowing and warping) and is a bit more environmentally friendly but the inhalation of the powders produced when grinding, cutting or sanding the finished product is known to cause of form of Mesothelioma as well as the more common skin irritation.Aluminum will last the longest, and is recyclable.

Because both of those numbers are just guesses and because the rent growth multiplies a bigger number it naturally has a larger affect and it compounds the more years they show.So my advice would be just to be conservative and assume the same low growth rate for each number. 2% is reasonable.Note, though that I said organic rent growth, if you are driving rent growth through value-add rehabs you have to show that in the numbers.

By doing this, I usually get all or most of my money back in 12-18 months and then collect passive monthly payments with no headaches from a non owner occupied borrower, with equity and skin in the game for 15years.

Naturally other people don't want to risk their money with someone inexperienced, so they'll want to see your track record as well. 

A basement may be used for habitable rooms or a dwelling unit, regardless of the depth of the floor below grade, if the floors and walls are impervious to leakage of underground and surface water and are protected from dampness, and if the required minimum 13-172-130, or by other approved means. 13-172-070 Natural light.

Naturally making me nervous.

Either through a natural disaster, tenant caused, or wear and tear?

But do remember that most people here are giving you good advice.One thing I learned early on is you need to have thick skin, and if you don't you will develop it very quickly.

Houses were just a natural outreach for me, I guess.