Naturally everyone in my center of influence now wants to throw down $20k++ to get in on the action.

Paint, flooring, new interior/exterior doors, water heater, moved washer and dryer out of kitchen and into an actual laundry room, gutted kitchen and bath and put all back new.

, but your interior maintenance is not covered as far as I know. 

An important clarification is that I would want the inspection report provided to me to be from a reputable 3rd party that would not be unduly influenced by the turnkey company that would be hiring them.  

The unit goes as high as $96,000 for a great condition interior, and rents for $1200/month with hot water included.  

Shouldn't cost that much especially if the lines are run along the interior walls.

They will also check all common areas of the interior.

19 Year Old Who has always had a passion for interior design and other aspects of home design such as floor plans and home remodel.

There may only be a small penalty (if any) depending on when the loan was underwritten and/or the type of loan it is - which could definitely influence your decision on whether to buy the asset (and how much you want to pay for it).

I plan on investing about 120k interior.