So wholesale until I get the 10% down for a HML + 6 months reserves for every house I own.

I have had two insurance claims in the past year:1 my son's ebike was stolen in front of a grocery store. 

If you have plenty of reserves, why don't you calculate how much you have to put down to generate the cashflow you want?

These are the best options for finding sellers willing to transact in today's market at cap rates that make sense to the current interest rate environment, in order to capitalize on the upcoming favorable market conditions over the next few years such as spiking rent growth, falling vacancy, and compressing cap rates.Interest Rate ProjectionsLooking at the Federal Reserves Dot Plot, which is released every quarter and is the federal reserves outlook on where they believe the Fed Funds Rate, which does not control fixed-rate financing but does influence it, as well as directly affects floating rate financing, is predicted to be 3% - 3.25% by Year End 2027 (Source), currently sitting at 4.25% - 4.5% today.

Quote from @Patricia Perdomo: "I saw a rotten apple at the grocery store for $1.

Because it takes "an expert" to explain novation, avoidance of due on sale clauses, ignorance of state foreclosure rescue statues trusts, why you don't need title reports, attorneys or reserves, and don't forget to throw in the Garn–St.

On one hand I like that it will probably cash flow (we expected to break even at best) and know there's issues with canceling reservations.

A realtor who used to have a PM company called "JBS Realty" until this month.He used to manage 8 of my properties and is currently refusing to pay out multiple 5-figures worth of rents/property reserves/security deposits/unpaid utility bills owed. 

There are some very aggressive investors that refi into interest only products to free up even more cash in the short term - this can be much more risky though, so not recommended if you are not very experienced and have large reserves.

Property taxes creep up, exterior repairs , and a brand new HVAC last year wiped out $11k of reserves.