Would you calculate less reserves for a condo rental property?

[Jason Renner]

Hypothetically, if you are choosing to go with a condo as a rental property, the HOA (and for discussion purposes lets assume the HOA has solid and sound financials and isn't strapped for cash/using a special assessment often to cover expenses) will be covering the large CapEx of you unit like roof or siding from their community funds. With this in mind, should you as the landlord be putting a smaller percentage towards your reserves than if you were renting a SFH? In my analysis, I am calculating 20% of rental income towards reserves if I choose to invest in a SFH. For a condo, with the above considerations, could I bump my reserve calculations down to 15% of rental income because of HOA covering major CapEx with mine and others HOA fees? Curious to hear peoples thought. Thanks in advance!