I am currently looking into a listing on BP for a duplex and waiting to hear back from my lender on my options and am learning to not use all my savings for a down payment so I can have some reserves if needed.

So if your rent per unit is say $1000, then your total monthly gross rent is $5,000 and your capex per month for reserves should be 5% of $5,000.

And while I personally think prolonged vacancy is unlikely in Massachusetts, this is one reason it is important to keep reserves on hand.Happy to chat further here in the forums or via DM -- but in my opinion there is no such thing as "too much" for a house hack!

But generally no, the reserve requirement you are asking about is usually XX months expenses not rent/income.

Preliminary history: Land originally bought vacant and with no entitlements for $1,500,000 (free and clear).Entitlement planning costs: $250,000Construction Documents costs: $350,000Total All-In Expenditures so far: $2,100,000 (land + soft costs) After obtaining entitlements and general market appreciation, the value of land is indicated at roughly $2,500,000Basic Rough Math (not actual numbers): Cost of Construction: $10,000,000Market Cost of Land (free and clear): $2,500,000Total Project Cost: $12,500,000Financing Needed: $10,000,000 (assume all FFE, interest reserves, contingencies, hard costs, etc. are included)Financing Assumptions: Loan to Cost: 85% (SBA)Maximum LTC Loan Amount: .85*$12,500,000 = $10,625,000Equity Required: 15% = .15*$12,500,000 = $1,875,000 (Equity in land exceeds this)Actual LTC = $10,000,000/$12,500,000 = 80% Based on early conversations with a lender, they indicated a cash injection would still be required.

If you're well capitalized and have significant reserves I'd prefer to lock in long term debt with today's dollars and pay it off with future dollars that are worth less.The amount of capital gains as well as depreciation recapture that many investors would have to pay if they sold everything into a cash position is astronomical and should be a part of the decision. 

"Eviction" is a legal process usually reserved for uncooperative, non-paying (or other lease-breaking) tenants.

They don't even have a reserve fund for when life happens.When they reach the fork in the road, they do not choose the road less traveled.  

Think of it logically: a first time investor who never owned a home has less experience and knowledge than one who does.DSCR you need enough down payment and reserves to make it cash flow.

Do you have, large cash reserves and a definitive, step by step plan how you will replace the existing tenants ?