Your LTV and Cash reserves

[Jonathan Lyford]

Hi all, I am relatively new to REI, and looking to buy more without being foolish and taking too much risk. I am curious, what would you consider a good/safe LTV for your overall portfolio? What would you consider a good number of months worth of expenses to have as cash reserves? I know everyone's risk tolerance will vary, but just trying to get a general sense. thanks in advance! -Jon