I'm curious if people are typically using operating (no capex reserves) or free (with capex reserves) cash-on-cash returns when evaluating deals as it relates to the 10-13% cash-on-cash minimum that many target.

All of that should confirm you're getting what was advertised.

I'm still trying to build up reserves for acquiring my first property, whether it's a fix and flip, or a buy-and-hold (taking the owner financing route as the lender).

It's 1 door for the entire property, so if the unit is vacant, then I don't have cashflow to pay for the expenses (mortgage, etc), and as a result, i need to make sure i have more money in reserves to do so. 

Real Estate investing full time is just as risky unless you have a solid game plan and plenty of cash reserves.

., up to a reserve account of $10,000, before either partner starts pulling profits out of the deal. 

Once $850 payment is made and it's confirmed , the loan funds will be transferred to your bank account as agreed.

Hi All,I wanted to confirm that the best schools in Texas City ISD are:Heights Elementary SchoolRoosevelt-Wilson Elementary SchoolMoreover, I heard that there are more 2-4 unit properties in this area of Houston.

Can you explain to me what your reserve requirements are?

You need cash to get in and reserve funds to survive.