Setting aside reserves and expenses monthly or creating lump sum?

[Jeremiah Russell]

Which scenario is better?

Scenario 1

I have a rental home where I set aside 35% of my rent each month for vacancy, repairs, capx, property management, etc. The rest of the rent goes to paying down the mortgage, and my personal extra income goes to paying down the mortgage. Goal is to pay off the property as fast as possible.

Scenario 2

I have a rental home where I pay the minimum on the mortgage from the rent each month. With the extra rental income and my personal extra income I save towards a lump reserves fund on the property let’s say figuratively $20k. Once I have saved the lump amount all my rent and extra personal income goes towards paying down the mortgage.

Thanks for any input.