Reserves are more important.

I don’t hear bigger pockets touch to much on how much reserves if any you should have in you’re savings for the inevitable fix on a rental property .

Surely some deserve it due to the executive orders that have been imposed on landlords. https://public.domo.com/embed/...In addition to this, there appears to be some funding (being paid directly to landlords) for "individuals or families who were not eligible for a federal stimulus check".

The CARES act has several provisions, I am only referring to the eviction moratorium for federally backed mortgages from March 27th 2020 until July 25th, 2020 - 120 days which was something I have been careful to confirm with our owners isn't a factor.

If you can't get a response, I'd find another broker, he may be too busy and wants to hold on as long as he can.In general, lenders are getting tougher on underwriting since low rates don't leave much room for margin of error, so want monthly updates on I&E during the process, maybe larger reserves also.Right now in OR, my biggest issue is with appraisers.  3 years ago when banks wanted apt debt, I thought they overpriced stuff, now they're going in the opposite direction. 

For covered properties, Section 4024 of the CARES Act clearly prohibits any penalties, late fees, legal notices, or evictions for non payment of rent for 120 days from its enactment (through July 28th) as currently written.If you denied someone housing because of a COVID-19 declaration such as you described, one could argue you were penalizing an applicant and denying them housing based on a violation of federal law, which could possibly be used as ammunition for a lawsuit and/or a Fair Housing complaint. 

Luckily I have a reserve for this case.

You shouldn’t use all $30K for down payment, so you have some reserves.

I would put as much down as you feasibly can while keeping a fair amount in reserves in case 2 refrigerators go out in the same month. 

Incomes from the small businesses and rentals are put back into the businesses and / or reserved for working capital.