This is a new underwriting guideline of the insurance companies because they haven’t been profitable and must raise the rates and lower the risk factors in order to comply with state regulations on adequate reserves and future solvency.  

I'm covering the leverage and have reserves in place for any capex expenses.

While, a reservation on Furnished Finder or Airbnb, for example, might be a bit more straightforward. 

House 1 you’ve owned for 9 years, how are your cash reserves?

Did the close out store not have enough of a single color?

Whatever is stored on the shelves will mostly cover it.If it's no longer used, you could remove it completely.

Can you show reserves factoring the DP and closing costs?

RE is a get rich slow game and there are increasing number of people talking about how difficult it is to retire from your day job even with large numbers of rentals because cash flow is thin.On the one hand there is the Small But Mighty portfolio mentality which I believe is a book in the BP store by Chad Carson.

Can you put some reserves into a "lock box" type account that is your money but locked at escrow for up to a period of time.  

They say this can take 30 days, yet I see complaints on BBB and the App Store for Google and Apple where people have not gotten their money back yet even after several months.I have contacted my bank and they said you have 60 days to file a dispute from the date of your DEPOSIT not the time you request the transfer back into your bank.