I don’t know how common vacancies are but I would say I could cover about 4-6 month in case of an emergency  

Usually a pattern will emerge on a 'normal' deal in your area.

I learned my lesson and am keeping reserves  for emergencies and lower LTV on financing.

Hey Kaleb,I would suggest investing in one of America's emerging cities like Detroit. 

They rarely have an over-leveraged emergency or catastrophe.Of course they will not grow as fast as the investor using leverage and NOT over-leveraging. 

I allocate 20%-30% of profits for growth while keeping enough for emergency reserves.Plan for Taxes EarlyDon’t forget to set aside funds for taxes.

His God complex and giant ego won't allow him to reflect on the damage he's done  keep in mind if the SEC detects a serious issue and one that could harm investors right now they have the power to take emergency action and shut them down.

Be sure to have funds you can tap in case of emergency or inevitable market dips. - Most Fortune 5000 (and others) companies do this.

Address potential risks by explaining strategies like maintaining emergency reserves, purchasing proper insurance, and conducting thorough due diligence.

Your $30k should be your emergency fund and not used for new investments at this time.Consider talking to a CPA or financial advisor.