3 paid off rentals. Refinancing with small/no reserve account?

[Chad Carlon]

Hi. I have a portfolio of 17 SFHs in DFW with 3 that are now paid off; those 3 have around $500k in equity. Thinking about refinancing, to try BRRRRing, but I’ve been reading that I need 6 months of reserves for each of my rentals. I don’t have a reserve like that in place. Always used my brokerage account margin line for emergencies. Is there any flexibility with that reserve requirement when refinancing? Any suggestions for how to tap my equity? Really appreciate any suggestions or ideas.