When I reached out to a lender the other day about pre-qualification and pre-approval, I told her how much money I had in my bank accounts and she said this wouldn't be enough money for the down payment on the price range of properties I was looking at.

I like the fact that it accounts for so many potential expenses. 

Almost every lender will require replacement cost valuation, as opposed to "Actual Cash Valuation," which takes into account depreciation.

You could ask your accountant if taking that hit in taxes would help take care of some potential capital gains taxes.

I've been building up my brokerage account with Robinhood for the 3 years I've been in the workforce along with funding retirement and savings accounts.

Even with the historical average of 10% per year, it's nowhere near the roughly 24% gain I would achieve with putting that $18,000 towards a rental property.

(acquisition, managing PMs and subs, accounting, etc.)Since we do not have experience in putting together a RE deal, I wanted to see if any of you could offer some word of wisdom...much appreciated!

Should I transfer this cash into a business bank account?

Your exchange account populates with $900K cash and a note for $100K. 

Should I focus on just securing funds for the down payment and closing costs or should I be concerned about creating some sort of reserves for said rental property (to account for any vacancies and expenses)I assume I need to make sure that in the event I cannot rent out the property we are able to cover the expenses relating to this house in additional to our own personal mortgages but I’m not too worried about this (please let me know if I should be worried)Outside of my mortgage and some credit card debt which will be paid off by the end of this month I do not have any other debt.Are there other factors that I should be considering?