They now only require 2 months of reserves for each property plus 6 months for the property you're buying.Now whether that guideline has filtered down to the lenders or not, I don't know.

It sound like it is cooling, just not very well,   Could be a dirty evaporator coil, a dirty condenser coil, dirty filters, or it might need Freon.  

I changed the filters and turned them on, they fired up as they should. 

House-hacking gives you some breathing room.Do not offer a nice round, even number @Dominique Taylor.  

Then we will do quarterly/semi annual maintenance ourselves such as air filters etc, and try to coincide with being down in the Springs for either other property visits or going down anyways.We have been fortunate to have wonderful tenants so far, so that also helps a lot!

https://www.redfin.com/city/29470/IL/Chicago/filter/property-type=multifamily

Hopefully other Hawaii investors will chime in as the year goes on.On the bright side, the people of Hawaii (renters) are getting a chance to catch their breath financially.

A person with a disability has a physical or mental impairment that substantially limits one or more major life activities (for example, caring for oneself, performing manual tasks, walking, seeing, hearing, speaking, breathing, learning, and working).

We eat, sleep and breathe this industry. 

@Luis FernandezYou might want to take a deep breath before you plunge in with your $100k unless you have many $100ks behind that one.