Was told only to do so for larger deals such as 4-plexes or larger. 

I keep 6 months now because my portfolio is still pretty small but as I scale and I'm also able to have a larger overall reserve fund I won't worry so much about that specific metric.

I'm at the point of doing 2-3 flips a month and its a lot of liquid capital in all of these deals, I'd like to leverage myself a little more.

Then I emailed financial advisor Rob on how to get the closing funds in a liquid account.734/10/2021744/11/2021754/12/20214:45 PM5:00 PMReached out to Peter @ Mogul to start process for setting up property management, ran a Rent-o-Meter for Oleatha to get its take on rents nearby764/13/20217:05 PM7:20 PMPeter is going to send me a contract for PM on 5/3, reviewed his team of contacts to determine if I should reach out to any of them and then got overwhelmed by the three types of lawyers... prepared questions for tomorrow's MeetUp, some about lawyers...774/14/20217:00 PM8:45 PMAttended the Apr StL Real Estate Investor Meetup784/15/20217:05 PM7:20 PMEmailed Jacob at Flat Branch to ask if getting a new credit card for real estate would impact my loan approval at this time.

With those loans, you now have a nice down payment to buy a larger building.  

If you are only an inch or two off you can hide that with a larger interior casing and same for the outside.  

Offer to help someone in the group if a situation arises—even if you get nothing but learning in return.Find a safe, liquid, higher-yield place to store savings.

Under normal circumstances, I’d do the cash out refi, but I’m tempted to suggest getting this larger line of credit and maybe investing in a cheaper market and seeing if you can pick up some better deals by offering cash, then refinancing out of those instead.

I would be very careful with liquidating any of your stocks, bonds, and others due to the penalties you can incur.

If you do a smaller 5%, maybe even 3.5% down payment, it is much easier to get into financially, but then you're just playing catch up longer in terms of monthly payments as opposed to doing a larger down payment.