In order to insure the long-term success of this conversion housing program, a non-routine maintenance reserve shall be required for all multifamily properties sold under an approved homeownership plan pursuant to this chapter. The purpose of the reserve shall be to protect the interests of the homeowner and his property, including but not limited to, replacement costs, litigation expenses, and non-routine maintenance. The amounts set aside for this reserve shall take into account the ability of each individual homeowner to meet the reserve requirements. The terms of the reserve shall be included in the homeownership plan and shall be determined after consultation with the tenant/purchasers.