So I would just double check your numbers and plan conservatively, because in my experience it rarely turns out better than expected.Bruce

If your not buying all cashI would add these expenses to the list for a more conservative analysis.

Do your numbers and be conservative.    

There is a chance I can get $1400 for rent but I prefer to be conservative on my estimates.Any thoughts, input, advice would be much appreciated.

If you keep to that conservative mindset, you are assured success.Are you still flip houses?

Max out the mortgage and put the cash into other propertys.I prefer variable interest rates as historicly they are always lower rates over the long term but most conservative investors prefer the knowledge of knowing there is zero risk in a fixed interest rate.30 or 15 makes no difference as long as you keep the term reasonably short and pull the equity each time it renews.

Your banker is being conservative.

Even when I go to pick up a larger complex out of state, I will still need to be conservative in my returns and invest in nicer areas/properties.

You can budget around 4% of the sale price to cover these.This is a conservative formula.

I've seen others that contribute the $18,500 as they are a bit more conservative and want to diversify beyond just REI.