You may need a source of funds in a worst-case scenario, just to carry you until you are able to replenish reserves.

I feel you should have enough to cover your most expensive cost, usually replacing a roof. if you save up enough for a new roof then chances are you will have enough to cover any expenses that come up. just make sure to replenish that capex money once you use some of it, this way it is always there in case you need it.

@Zachary Clevenger I'm always of the philosophy to replenish the HELOC funds whenever possible.

Now they're going to keep the increase in place to replenish the fund they pulled from.

You do not need to hold full reserves for every property as once you scale you can more quickly replenish the reserve fund you do decide to hold.As for spending cash flow you do not do that until you have reached your final income goal.

The human body requires sufficient rest to rejuvenate and replenish itself.

Especially to replenish groundwater.5.

Option A- pay down student loan and take 2-4 years before you replenish your savings which means another 2-4 years of not owning a home.

If for whatever reason capex were to deplete I’d replenish accordingly.

Use your savings, then replenish with the gift/loan?