They are doing this to pay back and replenish losses from foreclosures of the past.Great part about FHA is you can get a gift from family etc. for the whole down payment which is 3.5% currently.

Perhaps inspection of the property and taking care of any damage - take out fund in security deposit with something like 30 days to replenish, etc.

Depreciation, physical and financial will hit an optimum point and they will probably dump them and replenish inventories.

I have had several people say take your cash reserves and purchase the vehicle outright and then replenish your reserves.

There are risks as its a margin loan, so if US Treasuries fall, you will be asked to replenish the account. 

After the refi, we are able to pay both lenders and have some cash left over to replenish my funds.

My lender has informed me that I can take the money for the down payment out of my roth IRA without penalty as long as I replenish it within 60 days.

They will draw their future account fees from this portion of the IRA and it will need to be replenished over time.

You could set a threshold at 1.5 times the amount to fix the most expensive thing that could go wrong, then turn off the reserve switch, until it needs to be replenished.  

But then the next month you should be able to replenish your reserves from your profits.I really believe that the hardest time I had was early on when I only had a couple of houses.