You also have to consider the frequency of occurrence - how often (on average, statistically) is someone going to have an uninsured claim on your property and sue you?

I'd take a look at the last several years for frequency and size of the special assessments and update your figures accordingly. 

These factors are:(1) the taxpayer’s purpose in acquiring the property;(2) the purpose for which the property was subsequently held;(3) the taxpayer’s everyday business and the relationship of the income from the property to the taxpayer’s total income;(4) the frequency, continuity, and substantiality of sales of property;(5) the extent of developing and improving the property to increase the sales revenue;(6) the extent to which the taxpayer used advertising, promotion, or other activities to increase sales;(7) the use of a business office for sale of property;(8) the character and degree of supervision or control the taxpayer exercised over any representative selling the property; and(9) the time and effort the taxpayer habitually devoted to sales of property.If you review Flood v.

That seems to be where the low and medium frequencies come from like tv sounds and voices.

@William DeLuca  There are online mortgage payment calculators that you can use to see how the payment are affected by the length of the mortgage and frequency of payments.   

Compare the actual cost of these items, the frequency of them, and the timeline for these items to occur against the actual dollars set aside using that 10%, and the timeline for the accumulation. 

I mean things like turnover frequency and maintenance..

The quality of the tenant you get will determine the size and frequency of cashflow options you have.

Choosing properties in higher asset classes and renovating them to a very high standard are the two biggest things you can do to reduce the frequency of your turnovers. 

You can search the exact address and it will tell you what crime has been reported in that area in the last 3 months and the frequency.