Hold outs and reserves

[Tyler Adams]

We own a triplex and are soon to close on a duplex in Montana. We will house hack the duplex and sell our current SFH. That will fund 3-4 more multi family rentals. We will have between 10-14 doors in total I'm guessing. Units will be in Montana and Florida is the plan. Our plan was to always have $20k in reserve for our triplex. But I'm thinking I don't need $20k per multi family. How does everyone handle this issue. Do you just have 1 account that hold all reserve's and cap it at a percentage or do you cut it to $10k per property. Assuming that not everything will break at the same time I really don't think I need $100k in reserve when that money can be invested in another rental. FYI I do a lot of maintenance and rehab myself currently. In the future we do plan to travel more so the little things will sometimes be passed off to a handyman. Thanks in advance