Reserves too high? 

I doubt they would accept a DIY "fluff", look how cool, 3D app that spits out pictures that anyone can download from the App store.

The local store may have a limited selection but you can find more sizes and options on their website.The tenant may very well trash them, but they are inexpensive and can easily be replaced with the deposit.

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Just a heads up.So you calculated out you need  $6 million worth of apartments to hit your goal.A commercial loan may require 20% to 30% down in cash, cash reserves, working capital, and closing costs.You will also need earnest money cash.The lender may also require certain repairs to be done Shortly after the loan is made.The lender may also require the Property to be stabilized as far as occupancy percentage is concerned, leaving little on the bone as far as sweat equity.Good Luck!

but yes a house hack allows you to put down as low as 5% just make sure you have some reserves incase something goes haywire the first year 

Rent is 2150 against a 1450 mortgage leaving me with 700 monthly revenue.20% of 700 goes to reserves which leaves 560 monthly net. 560 x 12 months = 6720.

I got to the hardware store and pick things up. 

I currently utilize this strategy personally.I have a commercial line of credit that I practice pay check parking with.Pay check parking is the practice of parking all free cash flow that you bring in each month after you've set aside your cash reserves (emergency fund).

@Diana JingHere is a list of lenders offering non-recourse loans to retirement accounts:https://www.biggerpockets.com/member-blogs/2810/50272-list-of-non-recourse-lenders-for-self-directged-ira-and-401kTypically non-recourse loans require 30%+ down plus 10%+ reserves because the risk is higher for the lender.