Co-op 'Typicals'

I know no two buildings are the same, and I got some great info on the Co-Op board here, but I thought I’d cross post here as well:

I am new to the Board on a coop in Bay Ridge. We have more than 60 units in our building.

I am wondering what the ‘typical’ reserve fund in our area looks like? (on the other forum, I heard 6mon-1 year operating costs as one option)

Also, I am curious if it’s typical, when refinancing a coop, to enter into an agreement that binds us to keep our reserve fund at the bank issuing the mortgage?

As the sponsor owns the management company, I am wondering if we should consider hiring our own accountant to review the books? I have no sense of any impropriety on the part of the management company, but it strikes me as a conflict of interest. That we use the same accountant and lawyer that the sponsor put in place decades ago also makes me a little uneasy…

Any comments would be appreciated!
k