As I am trying to grow my company, I have set wholesaling as one of my investing strategies to build my cash reserves so that I can also flip properties in the Chicagoland area. 

From Fannie:Borrowed Funds Secured by an AssetBorrowed funds secured by an asset are an acceptable source of funds for the down payment, closing costs, and reserves, since borrowed funds secured by an asset represent a return of equity.Assets that may be used to secure funds include automobiles, artwork, collectibles, real estate [EDIT: eg, a HELOC], or financial assets, such as savings accounts, certificates of deposit, stocks, bonds, and 401(k) accounts.Secured Loans as DebtWhen qualifying the borrower, the lender must consider monthly payments for secured loans as a debt.If a secured loan does not require monthly payments, the lender must calculate an equivalent amount and consider that amount as a recurring debt.When loans are secured by the borrower’s financial assets, monthly payments for the loan do not have to be considered as long-term debt [EDIT: in other words, 401k loans are not only acceptable, but we don't even hit your DTI with the payment].I like to push things; I've been waiting for an opportunity to use artwork-secured debt for ages but it's never come up.

The financials were solid, around 2.2k rent every month, all units rented out, and 800 net after all expenses/reserves.

The program makes it easier for Native Americans to purchase a home if they are looking to buy in rural areas, on a Reservation, have an "okay" credit score, or don't have traditional W-2 income.

I know I can tow them, but I want to reserve that as a last resort, as I'm afraid of some retaliation. 

If you mean traditional financing, you're going to want that credit score, plus reserves, plus income.

The reason being is a big portion of your investment goes into the company's death benefit reserve.

What's the rule of thumb for creating a capex reserve?

Also, banks have to keep a cash reserve up to 6X the loan balance which they cannot use to reinvest for their shareholders, and that adds more pressure for them to liquidate at a fraction of the balance. 

To that I would add a 10% maintenance allowance and 10% for PM.Operating Expenses = 15,400 + 4,482 + 4,482 = 24,364  (54% of effective gross revenue)NOI = 44,820 - 24,364 = 20,456From this you would have your debt service and a 10% CAPEx reserve.