It all depends on how well you vet your tenants.

Depending how much you earn you can step up those savings by getting a side-hustle in any part of real estate....working for a top Real Estate office on weeknights and weekends, working for an RE Investor, working for a General Contractor and learning a few skills, etc.

Give lenders details about your income, work history, assets, obligations, and credit score when requesting prequalification.

But carrying on like I said I would have about 10-20k depending on closing costs in reserves and have another bank account with back up back up but I really do not want to touch that, with that being still said I am not adding to capex, maintenance, or vacancy every month even though I probably should. 

PA Real Estate Attorney HereThe short answer is it all depends.

Its more expensive but depending on your appetite for risk could be worthwhile. 6.

Depends on your needs/goals/preferences. 

It all depends on the market where you are, so just do a search online at what is for sale. 

Depends on the property. 

I see that most/all lenders include vacancy in their calculation, whereas the other two expenses are sometimes included - depends on the lender.