Lender wants 6k in reserves for loan?

[David Stone]

I am looking at purchasing a duplex for 80k. I have 30k in equity on my primary residence. I am going to use this for the 20% down. This would be my second property. The lender I got my first mortgage through is saying I need 6k in reserves to meet the criteria. I only have about 2k in the bank since I have been fixing up my primary residence. She suggested maybe to check out a local private bank? (I Only make 22k annually after taxes and I am 20)