She's always viewed owning a home as risky ever since her ex-boyfriend lost his house to foreclosure back in 2008.

I'm just trying to get an idea of what everyone likes to have for cash reserves for cap ex, maint., etc. 

What fees do you charge for renovation/cap ex expenses?)

Some of these things I have known about and have been dealing with,  a few of the others have just come to light this week, thanks to an angry ex-wife.I have done almost daily inspections, filed comply of vacate letters, sent text after text, and I'm just hoping for a smooth transition without having to evict.  

Here's what I set aside per unit:Taxes:  ~ $100 per monthTurnover expense:  3.5% GSRWater/Sewer/Trash: $30-$45 per monthMaintenance: 12%Cap Ex: 2.5%Overhead: 1%Insurance: ~$25/mo.Debt service (100% leveraged): $350-$400EVERYTHING ABOVE is increased by 10% to account for vacancyAll told, each unit still cash flows between $100 and $200 per month.These are B-/C+ small MF properties.Note I do not pay for management as I self-manage, but that is offset by the increased debt service created by the 100% leverage. 

I'm pretty sure that if I'm having this much trouble with this simple task, as an ex-web developer, I surely can't be the only one experiencing this problem.

Basically my ex contractor forged deeds to homes I owned in NJ and applied for the SOTO program with NY to place tenants in those properties.

Its my first home and has done better each year , I bought it 4 years ago for 388k valued now at 615k , I'm finally at a place where I could move out and have some positive cashflow , kinda not if we are taking 5% vacancy 5% repairs , 10% cap ex and management fees, but If i solely move out and self manage it will create positive cashflow unless unforseen cap ex . 

-Projected monthly rent = $1,300-I calculated 5% for cap ex, property maintenance, vacancy, and $95 a month for property management.

[Sure, each property is treated on its own merits].Btw, 1% is way too little allowance for cap ex, and maintenance, and management!