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We've got the situation right now where we've kicked one of our tenants out cos we're moving into one of our rentals (we were renting ourselves previously) a tenant in one of our properties isn't paying rent very regularly AND a house we're building is 3 months behind schedule. Very very...

I agree with Rolf - figure out how much you need in the bank as a risk buffer, eg to cover the loans if both/all properties are empty for a period at the same time, and then see what's left for a deposit. It's never a great idea to have no liquid assets and from experience it is the best...