Of course the lenders that want less will probably charge more.You could also look for partners, reducing the amount of initial capital you'd need, and once you've proven yourself you can probably find investors or silent partners that allow you to put nothing in. 

Here is an example, ripped of from one of Ben Leybovich's articles:https://www.biggerpockets.com/renewsblog/wp-content/uploads/2015/03/CapEx_Aricle_TABLE_1.pngAlso, another false statement I see on BP all the time is that because it is newly remodeled, an investor should be able to eliminate or reduce the CapEx expenses... this one is actively sold by the turnkey companies as is the % of rent CapEx falsehood, if they even talk about CapEx at all. 

There is no logic in putting more money in a rental than you absolutely have to as it only reduces your ROI and cash flow.

Do not start off with anything that is unusual or different from the other places.The bulk of my experience was in the construction business.  

It is also true that if I forced appreciation, increased rents and reduced expenses there would be even more %.  

Should I take the RSU vestment and put that totally towards the down payment on another SFH, should I use that to reduce the principal on the rental or should I refinance the house (estimated value at $171k) and use the cash to finance another venture.

+To make the transition easier, I may make the first 3-6 months 50% less to give them time to fill the property and reduce their risk

Keep 1031ing and using those tax deferred dollars to buy more real estate of the type you want and gradually shift it to passive or low maintenance real estate vehicles so your work load is reduced.  

That will reduce the amount you have from the insurance to rebuild. 

Engineered wood floors are 3/8" - 1/2" thick so some simple reducers should take care of floor level changes.