If its a Fannie Mae loan (my suggested loan) then the amount of reserves is directly related to how many rentals you have financed?

Fannie Mae JUST introduced a 5% down option for up to 4 units.

@Allen Joyner I see you have some good responses above but I did want to provide some more information incase it was helpful.I can't tell if you are receiving a Fannie Mae or Freddie Mac loan but it sounds like you might be.  

Assuming this is a conventional, conforming, Fannie Mae/Freddie Mac loan (which sounds like it is).

@John ShepherdAs long as you have one year of rental history Fannie Mae will allow you to use rents.You need to find a loan officer or broker thats uses banks with no overlays.

BP Multifamily Investors: Below is a link to our most recent Freddie Mac & Fannie Mae multifamily small balance loan rate sheet for loans between $1,000,000 - $7,500,000. 

If it is backed by Fannie Mae"Good news for investors from Fannie MaeIf you’re among the large number of real estate investors who’ve chosen to roll the dice, your finger-crossing days may be over.

I just used the Fannie Mae Homestyle Loan.

Fannie Mae cash outThere is a workaround however: No seasoning cash out   Thank you, Jay. 

Have you,  or anyone here,  heard of MOLLY AI lead generation, sounds too good to be true, still very tempting.