It's a balance.

A balanced approach often works best—consider splitting your cash flow between paying down the mortgage and investing in diversified assets.

- very low remaining mortgage balance!!

So here's a real life  question. 

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

You can make house hacking work anywhere, really.

Okay pal, go with them I am sure it will work out the same (sarcasm) (hangs up phone).Like anything in life, you get what you pay for. 

@Rodrigo CamposLet me know how it works!

Not even Balance Sheet.I don't know if they changed their model since the change of subscription plan but it isn't ideal to use it as depreciation or amortization.They do have a balance sheet. 

This place has changed my life and I couldn't be happier.