If a large unexpected expense comes up, then it is money from your pocket.

The goal is to have multiple buckets you can fill as an investor because there are always going to be expenses come up (some that you will know ahead of time and others that are unexpected). 

I’ve increased our household income by 110%, cleared debts, saved for the unexpected, and have built a solid floor to stand on.

If you don't have enough cash to pay the earnest money how will you pay for unexpected repairs, a vacancy or missed rental payments.

You need to weigh too what is a common thing that will be found in every house versus an unexpected defect.