How do I calculate the amount of reserves I need?

I understand that a typical rental analysis takes the monthly rental amount, sets aside 5% for vacancies, estimates 50% for expenses, and then makes sure the remaining 45% pays debt service and leaves a profit.But I've noticed that mortgage calculators often include insurance and tax payments in their monthly mortgage payment estimates.

View report*This link comes directly from our calculators, based on information input by the member who posted.

4. this is where BP's favorite calculation, Cash on Cash flaws woefully short.

Do you have any recommended calculators 7.

I’m trying to pre-calculate and figure out what I would owe taxes on.

Hey everyone,I just seen this posted on one forum, but after hours of searching I couldn’t find it again so I figured just start another one.My question is on the BRRRR calculator when running the numbers using hard money loans that fund 100% rehab cost should I just factor the rehab cost into the purchase price because the rehab money isn’t coming out of pocket.

View report*This link comes directly from our calculators, based on information input by the member who posted.Hi, I'm a new real estate investor looking for my 1st BRRR.

This measure is computed based on the net income which the property is expected to generate and is calculated by dividing net operating income by property asset value and is expressed as a percentage.

Financing: Conventional 30yr fixed at 4.75%Purchase price: 215,000Down Payment: 43,000Loan Amount 172,000Closing costs: 3,000Total outlay: 46,000Income:Monthly rental income:  (700+700) = 1400Monthly expenses (please critique my % allocations, based off BP calculator recommendations):Mortgage: 897.23Vacancy 5%Prop Mgmt: 8%Cap Ex 8%Repairs/Maint: 8%Water $60/monthProp Tax: $125/monthInsurance: $77/monthResults:Fails 1% rule (Needs 2k in rent or 140k purchase price)Fails 50% ruleCash Flow -$165CoC Return -4.3%https://www.biggerpockets.com/...Bad deal as is, huh?