Reserve money amounts in accounts?

[Carl Giauque]

So we finally found our first deal on a SFH, (after numerous offers, refusals, Mo. searching, reading hundreds of forum posts ,etc) got it closed, got the rehab done, paying renter, and a nice bit of cash flow, Sweet! Retirement here we come!

Ok so we have some money left for the next investment and I go down to the bank( local credit union), and start discussing costs, Down, interest, closing, points, Reserve payments.. Reserve? where have I been? 6mo on the new property, 6mo on the investment property, 3mo on my personal residence. I realize that this is money I was going to put into the rehab. I talk to another bank and they are about the same. Now, I have read a lot of various forum posts and I never really saw this as an issue, but

What do you do when you have 5-6 + properties financed?

Do all the lenders hold to this?

Will they negotiate the amount?

What else do I need to know about this?