Reserves instead of monthly vacancy loss

[Evelin Montenegro]

Instead of doing an 8% vacancy loss every month, does anyone just keep a total reserves amount?

For example: Say your mortgage payment is $400 monthly so 6 months worth of rent is $2,400 and another $12,600 for CapEx repairs for a total of $15k and just place that into a savings account until needed.

I’m assuming there’s no issues with that, but no one really discusses that, all spreadsheets calculate a vacancy loss rate.