I would say im a bit more on the conservative type, I personally wouldn't consider debt a form of reserves for maintenance.What are your thoughts?

I am a very conservative investor.Share your experience or financing ideas.

The owner told me she is willing to go down in the offer (she knows that needs work) AC&HEATING, electrical, Plumbing and fixture, Crawl Space, roofing and attic.I got an estimate from a contractor and he told me around 30k-40k for the rehabNot sure about my number but this is what I got ARV= $ 130K-140K could be more but I'm a little conservative! 

Appraisals on refinances are more conservative than on a sale.

This is a residential property so you'll be able to get it at 3.5% down, your loan payment would be $2,960 (4.5% conservative rate).

I will only go after a deal with 15k or more by conservative measuresbecause I would rather do fewer deals with higher margin than more details with high stress lowmargins.

I'm very conservative and i love planning and executing strategy.  

Then Rent for $600 on conservative side.

Mortgage brokers generally want to be conservative.

TakeawaysSigning the mortgage was also one of the most terrifying things I had ever done, but knowing the market, running conservative numbers, and talking with someone that had done it all before helped calm the fear and got me into my first deal.