diff --git a/include/xrpl/ledger/helpers/AccountRootHelpers.h b/include/xrpl/ledger/helpers/AccountRootHelpers.h
index 66726e0d09..7d398fce5e 100644
--- a/include/xrpl/ledger/helpers/AccountRootHelpers.h
+++ b/include/xrpl/ledger/helpers/AccountRootHelpers.h
@@ -39,6 +39,12 @@ isGlobalFrozen(ReadView const& view, AccountID const& issuer);
 [[nodiscard]] XRPAmount
 xrpLiquid(ReadView const& view, AccountID const& id, std::int32_t ownerCountAdj, beast::Journal j);
 
+struct Adjustment
+{
+    std::int32_t ownerCountDelta = 0;
+    std::int32_t accountCountDelta = 0;
+};
+
 /** Returns the account reserve, in drops.
  *
  *  Actual owner count can be adjusted by delta in ownerCountAdj
@@ -55,12 +61,7 @@ xrpLiquid(ReadView const& view, AccountID const& id, std::int32_t ownerCountAdj,
  *  @return The account reserve amount in drops
  */
 [[nodiscard]] XRPAmount
-accountReserve(
-    ReadView const& view,
-    SLE::const_ref sle,
-    beast::Journal j,
-    std::int32_t ownerCountAdj = 0,
-    std::int32_t accountCountAdj = 0);
+accountReserve(ReadView const& view, SLE::const_ref sle, beast::Journal j, Adjustment adj = {});
 
 /** Convenience overload that accepts AccountID instead of SLE.
  *
@@ -72,14 +73,9 @@ accountReserve(
  *  @return The account reserve amount in drops
  */
 [[nodiscard]] inline XRPAmount
-accountReserve(
-    ReadView const& view,
-    AccountID const& id,
-    beast::Journal j,
-    std::int32_t ownerCountAdj = 0,
-    std::int32_t accountCountAdj = 0)
+accountReserve(ReadView const& view, AccountID const& id, beast::Journal j, Adjustment adj = {})
 {
-    return accountReserve(view, view.read(keylet::account(id)), j, ownerCountAdj, accountCountAdj);
+    return accountReserve(view, view.read(keylet::account(id)), j, adj);
 }
 
 /** Check if an account has insufficient reserve.
@@ -100,8 +96,7 @@ checkInsufficientReserve(
     SLE::const_ref accSle,
     STAmount const& accBalance,
     SLE::const_ref sponsorSle,
-    std::int32_t ownerCountAdj,
-    std::int32_t accountCountAdj = 0,
+    Adjustment adj,
     beast::Journal j = beast::Journal{beast::Journal::getNullSink()});
 
 /** Return number of the objects which reserve is covered by the account(sle) (so called "owner
diff --git a/include/xrpl/ledger/helpers/EscrowHelpers.h b/include/xrpl/ledger/helpers/EscrowHelpers.h
index 3a632a6ef1..8e04815fe9 100644
--- a/include/xrpl/ledger/helpers/EscrowHelpers.h
+++ b/include/xrpl/ledger/helpers/EscrowHelpers.h
@@ -61,8 +61,8 @@ escrowUnlockApplyHelper<Issue>(
         if (!sponsorSle)
             return sponsorSle.error();  // LCOV_EXCL_LINE
 
-        if (auto const ret =
-                checkInsufficientReserve(ctx, sleDest, xrpBalance, *sponsorSle, 1, 0, journal);
+        if (auto const ret = checkInsufficientReserve(
+                ctx, sleDest, xrpBalance, *sponsorSle, {.ownerCountDelta = 1}, journal);
             !isTesSuccess(ret))
         {
             JLOG(journal.trace()) << "Trust line does not exist. "
@@ -190,8 +190,8 @@ escrowUnlockApplyHelper<MPTIssue>(
         if (!sponsorSle)
             return sponsorSle.error();  // LCOV_EXCL_LINE
 
-        if (auto const ret =
-                checkInsufficientReserve(ctx, sleDest, xrpBalance, *sponsorSle, 1, 0, journal);
+        if (auto const ret = checkInsufficientReserve(
+                ctx, sleDest, xrpBalance, *sponsorSle, {.ownerCountDelta = 1}, journal);
             !isTesSuccess(ret))
             return ret;
 
diff --git a/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp b/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
index 655067bb71..e2678fa3df 100644
--- a/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
@@ -315,20 +315,15 @@ decreaseOwnerCountForObject(
 }
 
 XRPAmount
-accountReserve(
-    ReadView const& view,
-    SLE::const_ref sle,
-    beast::Journal j,
-    std::int32_t ownerCountAdj,
-    std::int32_t accountCountAdj)
+accountReserve(ReadView const& view, SLE::const_ref sle, beast::Journal j, Adjustment adj)
 {
     if (!sle)
         Throw<std::runtime_error>("xrpl::accountReserve : valid sle");
     if (sle->getType() != ltACCOUNT_ROOT)
         Throw<std::logic_error>("xrpl::accountReserve : valid sle type");
 
-    std::uint32_t const currentOwnerCount = ownerCount(sle, j, ownerCountAdj);
-    std::uint32_t const currentAccountCount = accountCountImpl(sle, accountCountAdj, j);
+    std::uint32_t const currentOwnerCount = ownerCount(sle, j, adj.ownerCountDelta);
+    std::uint32_t const currentAccountCount = accountCountImpl(sle, adj.accountCountDelta, j);
 
     return view.fees().accountReserve(currentOwnerCount, currentAccountCount);
 }
@@ -339,8 +334,7 @@ checkInsufficientReserve(
     SLE::const_ref accSle,
     STAmount const& accBalance,
     SLE::const_ref sponsorSle,
-    std::int32_t ownerCountAdj,
-    std::int32_t accountCountAdj,
+    Adjustment adj,
     beast::Journal j)
 {
     if (sponsorSle)
@@ -358,21 +352,20 @@ checkInsufficientReserve(
         if (sle)
         {
             auto const ownerCountAllowed = sle->getFieldU32(sfRemainingOwnerCount);
-            if (ownerCountAllowed < ownerCountAdj)
+            if (adj.ownerCountDelta > 0 &&
+                ownerCountAllowed < static_cast<std::uint32_t>(adj.ownerCountDelta))
                 return tecINSUFFICIENT_RESERVE;
         }
 
         auto const sponsorBalance = sponsorSle->getFieldAmount(sfBalance);
-        STAmount const sponsorReserve =
-            accountReserve(ctx.view, sponsorSle, j, ownerCountAdj, accountCountAdj);
+        STAmount const sponsorReserve = accountReserve(ctx.view, sponsorSle, j, adj);
 
         if (sponsorBalance < sponsorReserve)
             return tecINSUFFICIENT_RESERVE;
     }
     else
     {
-        STAmount const reserve =
-            accountReserve(ctx.view, accSle, j, ownerCountAdj, accountCountAdj);
+        STAmount const reserve = accountReserve(ctx.view, accSle, j, adj);
         if (accBalance < reserve)
             return tecINSUFFICIENT_RESERVE;
     }
diff --git a/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp b/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
index de1bbfc198..f87171a3b7 100644
--- a/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
@@ -210,8 +210,8 @@ authorizeMPToken(
         // budget), so this check always runs for sponsored transactions.
         if (sponsorSle || ownerCount(sleAcct, journal) >= 2)
         {
-            if (auto const ret =
-                    checkInsufficientReserve(ctx, sleAcct, priorBalance, sponsorSle, 1, 0, journal);
+            if (auto const ret = checkInsufficientReserve(
+                    ctx, sleAcct, priorBalance, sponsorSle, {.ownerCountDelta = 1}, journal);
                 !isTesSuccess(ret))
                 return ret;
         }
diff --git a/src/libxrpl/ledger/helpers/NFTokenHelpers.cpp b/src/libxrpl/ledger/helpers/NFTokenHelpers.cpp
index e9272d2399..eb0c96f79f 100644
--- a/src/libxrpl/ledger/helpers/NFTokenHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/NFTokenHelpers.cpp
@@ -913,7 +913,8 @@ tokenOfferCreateApply(
     std::uint32_t txFlags)
 {
     Keylet const acctKeylet = keylet::account(acctID);
-    if (auto const acct = view.read(acctKeylet); priorBalance < accountReserve(view, acct, j, 1))
+    if (auto const acct = view.read(acctKeylet);
+        priorBalance < accountReserve(view, acct, j, {.ownerCountDelta = 1}))
         return tecINSUFFICIENT_RESERVE;
 
     auto const offerID = keylet::nftokenOffer(acctID, seqProxy.value());
diff --git a/src/libxrpl/ledger/helpers/RippleStateHelpers.cpp b/src/libxrpl/ledger/helpers/RippleStateHelpers.cpp
index 076a34dfca..d6e1d499a4 100644
--- a/src/libxrpl/ledger/helpers/RippleStateHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/RippleStateHelpers.cpp
@@ -674,8 +674,8 @@ addEmptyHolding(
     }
 
     // Can the account cover the trust line reserve ?
-    if (auto const ret =
-            checkInsufficientReserve(ctx, sleDst, priorBalance, sponsorSle, 1, 0, journal);
+    if (auto const ret = checkInsufficientReserve(
+            ctx, sleDst, priorBalance, sponsorSle, {.ownerCountDelta = 1}, journal);
         !isTesSuccess(ret))
         return tecNO_LINE_INSUF_RESERVE;
 
diff --git a/src/libxrpl/tx/transactors/Sponsor/SponsorshipSet.cpp b/src/libxrpl/tx/transactors/Sponsor/SponsorshipSet.cpp
index 7460b29502..4ad10112ae 100644
--- a/src/libxrpl/tx/transactors/Sponsor/SponsorshipSet.cpp
+++ b/src/libxrpl/tx/transactors/Sponsor/SponsorshipSet.cpp
@@ -230,8 +230,7 @@ SponsorshipSet::doApply()
                 sponsorAccSle,
                 STAmount{sponsorBalanceAfterFee}.xrp(),
                 *reserveSponsorAccSle,
-                1,
-                0,
+                {.ownerCountDelta = 1},
                 ctx_.journal);
             !isTesSuccess(ret))
             return tecUNFUNDED;
@@ -297,8 +296,7 @@ SponsorshipSet::doApply()
                     sponsorAccSle,
                     STAmount{sponsorBalanceAfterFee}.xrp(),
                     *reserveSponsorAccSle,
-                    0,
-                    0,
+                    {},
                     ctx_.journal);
                 !isTesSuccess(ret))
                 return tecUNFUNDED;
diff --git a/src/libxrpl/tx/transactors/Sponsor/SponsorshipTransfer.cpp b/src/libxrpl/tx/transactors/Sponsor/SponsorshipTransfer.cpp
index eb23d75aa1..a9b8504a97 100644
--- a/src/libxrpl/tx/transactors/Sponsor/SponsorshipTransfer.cpp
+++ b/src/libxrpl/tx/transactors/Sponsor/SponsorshipTransfer.cpp
@@ -326,8 +326,7 @@ SponsorshipTransfer::doApply()
                     sponseeSle,
                     sponseeSle->getFieldAmount(sfBalance),
                     newSponsorSle,
-                    ownerCountDelta,
-                    0,
+                    {.ownerCountDelta = ownerCountDelta},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
@@ -380,8 +379,7 @@ SponsorshipTransfer::doApply()
                     sponseeSle,
                     sponseeSle->getFieldAmount(sfBalance),
                     newSponsorSle,
-                    ownerCountDelta,
-                    0,
+                    {.ownerCountDelta = ownerCountDelta},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
@@ -429,8 +427,7 @@ SponsorshipTransfer::doApply()
                     ownerSle,
                     balanceBeforeFee(ownerSle),
                     SLE::pointer(),
-                    ownerCountDelta,
-                    0,
+                    {.ownerCountDelta = ownerCountDelta},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
@@ -470,8 +467,7 @@ SponsorshipTransfer::doApply()
                     sponseeSle,
                     sponseeSle->getFieldAmount(sfBalance),
                     newSponsorSle,
-                    0,
-                    1,
+                    {.accountCountDelta = 1},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
@@ -499,8 +495,7 @@ SponsorshipTransfer::doApply()
                     sponseeSle,
                     sponseeSle->getFieldAmount(sfBalance),
                     newSponsorSle,
-                    0,
-                    1,
+                    {.accountCountDelta = 1},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
@@ -536,8 +531,7 @@ SponsorshipTransfer::doApply()
                     sponseeSle,
                     balanceBeforeFee(sponseeSle),
                     SLE::pointer(),
-                    0,
-                    1,
+                    {.accountCountDelta = 1},
                     ctx_.journal);
                 !isTesSuccess(ter))
                 return ter;
diff --git a/src/libxrpl/tx/transactors/account/SignerListSet.cpp b/src/libxrpl/tx/transactors/account/SignerListSet.cpp
index d1b5712ab2..457639195a 100644
--- a/src/libxrpl/tx/transactors/account/SignerListSet.cpp
+++ b/src/libxrpl/tx/transactors/account/SignerListSet.cpp
@@ -327,8 +327,7 @@ SignerListSet::replaceSignerList()
             sle,
             preFeeBalance_,
             *sponsorSle,
-            kAddedOwnerCount,
-            0,
+            {.ownerCountDelta = kAddedOwnerCount},
             ctx_.journal);
         !isTesSuccess(ret))
         return ret;
diff --git a/src/libxrpl/tx/transactors/bridge/XChainBridge.cpp b/src/libxrpl/tx/transactors/bridge/XChainBridge.cpp
index e519657b22..866ba5b6c3 100644
--- a/src/libxrpl/tx/transactors/bridge/XChainBridge.cpp
+++ b/src/libxrpl/tx/transactors/bridge/XChainBridge.cpp
@@ -1027,7 +1027,7 @@ applyCreateAccountAttestations(
 
             // Check reserve
             auto const balance = (*sleDoor)[sfBalance];
-            auto const reserve = accountReserve(view, sleDoor, j, 1);
+            auto const reserve = accountReserve(view, sleDoor, j, {.ownerCountDelta = 1});
 
             if (balance < reserve)
                 return std::unexpected(tecINSUFFICIENT_RESERVE);
@@ -1434,7 +1434,7 @@ XChainCreateBridge::preclaim(PreclaimContext const& ctx)
             return terNO_ACCOUNT;
 
         auto const balance = (*sleAcc)[sfBalance];
-        auto const reserve = accountReserve(ctx.view, sleAcc, ctx.j, 1);
+        auto const reserve = accountReserve(ctx.view, sleAcc, ctx.j, {.ownerCountDelta = 1});
 
         if (balance < reserve)
             return tecINSUFFICIENT_RESERVE;
@@ -1982,7 +1982,7 @@ XChainCreateClaimID::preclaim(PreclaimContext const& ctx)
             return terNO_ACCOUNT;
 
         auto const balance = (*sleAcc)[sfBalance];
-        auto const reserve = accountReserve(ctx.view, sleAcc, ctx.j, 1);
+        auto const reserve = accountReserve(ctx.view, sleAcc, ctx.j, {.ownerCountDelta = 1});
         if (balance < reserve)
             return tecINSUFFICIENT_RESERVE;
     }
diff --git a/src/libxrpl/tx/transactors/check/CheckCash.cpp b/src/libxrpl/tx/transactors/check/CheckCash.cpp
index 806ee20bcd..3597dd8358 100644
--- a/src/libxrpl/tx/transactors/check/CheckCash.cpp
+++ b/src/libxrpl/tx/transactors/check/CheckCash.cpp
@@ -401,7 +401,12 @@ CheckCash::doApply()
 
                 // Can the account cover the trust line's or MPT reserve?
                 if (auto const ret = checkInsufficientReserve(
-                        applyViewContext, sleDst, preFeeBalance_, *sponsorSle, 1, 0, j_);
+                        applyViewContext,
+                        sleDst,
+                        preFeeBalance_,
+                        *sponsorSle,
+                        {.ownerCountDelta = 1},
+                        j_);
                     !isTesSuccess(ret))
                 {
                     JLOG(j_.trace()) << "Trust line does not exist. "
diff --git a/src/libxrpl/tx/transactors/check/CheckCreate.cpp b/src/libxrpl/tx/transactors/check/CheckCreate.cpp
index 84c7c7439a..10d5b778fd 100644
--- a/src/libxrpl/tx/transactors/check/CheckCreate.cpp
+++ b/src/libxrpl/tx/transactors/check/CheckCreate.cpp
@@ -199,7 +199,12 @@ CheckCreate::doApply()
     if (!sponsorSle)
         return sponsorSle.error();  // LCOV_EXCL_LINE
     if (auto const ret = checkInsufficientReserve(
-            ctx_.getApplyViewContext(), sle, preFeeBalance_, *sponsorSle, 1, 0, ctx_.journal);
+            ctx_.getApplyViewContext(),
+            sle,
+            preFeeBalance_,
+            *sponsorSle,
+            {.ownerCountDelta = 1},
+            ctx_.journal);
         !isTesSuccess(ret))
         return ret;
     // Note that we use the value from the sequence or ticket as the
diff --git a/src/libxrpl/tx/transactors/credentials/CredentialAccept.cpp b/src/libxrpl/tx/transactors/credentials/CredentialAccept.cpp
index e0d5da1ecc..85befd51b1 100644
--- a/src/libxrpl/tx/transactors/credentials/CredentialAccept.cpp
+++ b/src/libxrpl/tx/transactors/credentials/CredentialAccept.cpp
@@ -94,7 +94,7 @@ CredentialAccept::doApply()
         return tefINTERNAL;  // LCOV_EXCL_LINE
 
     {
-        STAmount const reserve{accountReserve(view(), sleSubject, j_, 1)};
+        STAmount const reserve{accountReserve(view(), sleSubject, j_, {.ownerCountDelta = 1})};
         if (preFeeBalance_ < reserve)
             return tecINSUFFICIENT_RESERVE;
     }
diff --git a/src/libxrpl/tx/transactors/credentials/CredentialCreate.cpp b/src/libxrpl/tx/transactors/credentials/CredentialCreate.cpp
index 4491099e43..57896aa025 100644
--- a/src/libxrpl/tx/transactors/credentials/CredentialCreate.cpp
+++ b/src/libxrpl/tx/transactors/credentials/CredentialCreate.cpp
@@ -131,7 +131,7 @@ CredentialCreate::doApply()
         return tefINTERNAL;  // LCOV_EXCL_LINE
 
     {
-        STAmount const reserve{accountReserve(view(), sleIssuer, j_, 1)};
+        STAmount const reserve{accountReserve(view(), sleIssuer, j_, {.ownerCountDelta = 1})};
         if (preFeeBalance_ < reserve)
             return tecINSUFFICIENT_RESERVE;
     }
diff --git a/src/libxrpl/tx/transactors/delegate/DelegateSet.cpp b/src/libxrpl/tx/transactors/delegate/DelegateSet.cpp
index 11edb5c6c3..9fc4a81029 100644
--- a/src/libxrpl/tx/transactors/delegate/DelegateSet.cpp
+++ b/src/libxrpl/tx/transactors/delegate/DelegateSet.cpp
@@ -103,7 +103,12 @@ DelegateSet::doApply()
     if (!sponsorSle)
         return sponsorSle.error();  // LCOV_EXCL_LINE
     if (auto const ret = checkInsufficientReserve(
-            ctx_.getApplyViewContext(), sleOwner, preFeeBalance_, *sponsorSle, 1, 0, ctx_.journal);
+            ctx_.getApplyViewContext(),
+            sleOwner,
+            preFeeBalance_,
+            *sponsorSle,
+            {.ownerCountDelta = 1},
+            ctx_.journal);
         !isTesSuccess(ret))
         return ret;
 
diff --git a/src/libxrpl/tx/transactors/dex/AMMWithdraw.cpp b/src/libxrpl/tx/transactors/dex/AMMWithdraw.cpp
index 3df56369d8..4d6524bba3 100644
--- a/src/libxrpl/tx/transactors/dex/AMMWithdraw.cpp
+++ b/src/libxrpl/tx/transactors/dex/AMMWithdraw.cpp
@@ -664,8 +664,9 @@ AMMWithdraw::withdraw(
             std::uint32_t const currentOwnerCount = ownerCount(sleAccount, journal);
             // See also TrustSet::doApply() and MPTokenAuthorize::authorize()
             XRPAmount const reserve(
-                (currentOwnerCount < 2) ? XRPAmount(beast::kZero)
-                                        : accountReserve(view, sleAccount, journal, 1));
+                (currentOwnerCount < 2)
+                    ? XRPAmount(beast::kZero)
+                    : accountReserve(view, sleAccount, journal, {.ownerCountDelta = 1}));
 
             auto const balanceAdj = isIssue ? std::max(priorBalance, balance) : priorBalance;
             if (balanceAdj < reserve)
diff --git a/src/libxrpl/tx/transactors/dex/OfferCreate.cpp b/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
index 811d188a4b..eb70b1c430 100644
--- a/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
+++ b/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
@@ -832,7 +832,7 @@ OfferCreate::applyGuts(Sandbox& sb, Sandbox& sbCancel)
         return {tefINTERNAL, false};
 
     {
-        XRPAmount const reserve = accountReserve(sb, sleCreator, viewJ, 1);
+        XRPAmount const reserve = accountReserve(sb, sleCreator, viewJ, {.ownerCountDelta = 1});
         if (preFeeBalance_ < reserve)
         {
             // If we are here, the signing account had an insufficient reserve
diff --git a/src/libxrpl/tx/transactors/did/DIDSet.cpp b/src/libxrpl/tx/transactors/did/DIDSet.cpp
index 88084f2d63..2659460b8d 100644
--- a/src/libxrpl/tx/transactors/did/DIDSet.cpp
+++ b/src/libxrpl/tx/transactors/did/DIDSet.cpp
@@ -72,7 +72,8 @@ addSLE(ApplyContext& ctx, SLE::ref sle, AccountID const& owner)
     // Check reserve availability for new object creation
     {
         auto const balance = STAmount((*sleAccount)[sfBalance]).xrp();
-        auto const reserve = accountReserve(ctx.view(), sleAccount, ctx.journal, 1);
+        auto const reserve =
+            accountReserve(ctx.view(), sleAccount, ctx.journal, {.ownerCountDelta = 1});
 
         if (balance < reserve)
             return tecINSUFFICIENT_RESERVE;
diff --git a/src/libxrpl/tx/transactors/escrow/EscrowCreate.cpp b/src/libxrpl/tx/transactors/escrow/EscrowCreate.cpp
index e6831932ab..4b2f853b1b 100644
--- a/src/libxrpl/tx/transactors/escrow/EscrowCreate.cpp
+++ b/src/libxrpl/tx/transactors/escrow/EscrowCreate.cpp
@@ -446,7 +446,7 @@ EscrowCreate::doApply()
     // unsponsored this hits the source branch and validates the
     // source's pre-lock balance against base + (currentOC+1)*increment.
     if (auto const ret = checkInsufficientReserve(
-            ctx_.getApplyViewContext(), sle, balance, *sponsorSle, 1, 0, j_);
+            ctx_.getApplyViewContext(), sle, balance, *sponsorSle, {.ownerCountDelta = 1}, j_);
         !isTesSuccess(ret))
         return ret;
 
@@ -467,8 +467,7 @@ EscrowCreate::doApply()
                 sle,
                 balance - STAmount(amount).xrp(),
                 {},
-                ownerCountAdj,
-                0,
+                {.ownerCountDelta = ownerCountAdj},
                 j_);
             !isTesSuccess(ret))
             return tecUNFUNDED;
diff --git a/src/libxrpl/tx/transactors/oracle/OracleSet.cpp b/src/libxrpl/tx/transactors/oracle/OracleSet.cpp
index 151d50b7d6..8cb8730480 100644
--- a/src/libxrpl/tx/transactors/oracle/OracleSet.cpp
+++ b/src/libxrpl/tx/transactors/oracle/OracleSet.cpp
@@ -170,7 +170,8 @@ OracleSet::preclaim(PreclaimContext const& ctx)
     if (pairs.size() > kMaxOracleDataSeries)
         return tecARRAY_TOO_LARGE;
 
-    auto const reserve = accountReserve(ctx.view, sleSetter, ctx.j, adjustReserve);
+    auto const reserve =
+        accountReserve(ctx.view, sleSetter, ctx.j, {.ownerCountDelta = adjustReserve});
     auto const& balance = sleSetter->getFieldAmount(sfBalance);
 
     if (balance < reserve)
diff --git a/src/libxrpl/tx/transactors/payment/DepositPreauth.cpp b/src/libxrpl/tx/transactors/payment/DepositPreauth.cpp
index d50b209be4..195e4d2df7 100644
--- a/src/libxrpl/tx/transactors/payment/DepositPreauth.cpp
+++ b/src/libxrpl/tx/transactors/payment/DepositPreauth.cpp
@@ -166,7 +166,12 @@ DepositPreauth::doApply()
         if (!sponsorSle)
             return sponsorSle.error();  // LCOV_EXCL_LINE
         if (auto const ret = checkInsufficientReserve(
-                applyViewContext, sleOwner, preFeeBalance_, *sponsorSle, 1, 0, j_);
+                applyViewContext,
+                sleOwner,
+                preFeeBalance_,
+                *sponsorSle,
+                {.ownerCountDelta = 1},
+                j_);
             !isTesSuccess(ret))
             return ret;
 
@@ -214,7 +219,12 @@ DepositPreauth::doApply()
         if (!sponsorSle)
             return sponsorSle.error();  // LCOV_EXCL_LINE
         if (auto const ret = checkInsufficientReserve(
-                applyViewContext, sleOwner, preFeeBalance_, *sponsorSle, 1, 0, j_);
+                applyViewContext,
+                sleOwner,
+                preFeeBalance_,
+                *sponsorSle,
+                {.ownerCountDelta = 1},
+                j_);
             !isTesSuccess(ret))
             return ret;
 
diff --git a/src/libxrpl/tx/transactors/payment_channel/PaymentChannelCreate.cpp b/src/libxrpl/tx/transactors/payment_channel/PaymentChannelCreate.cpp
index a215a6dbb9..1b82fcf88f 100644
--- a/src/libxrpl/tx/transactors/payment_channel/PaymentChannelCreate.cpp
+++ b/src/libxrpl/tx/transactors/payment_channel/PaymentChannelCreate.cpp
@@ -147,7 +147,12 @@ PaymentChannelCreate::doApply()
         // unsponsored this hits the source branch and validates the
         // source's pre-lock balance against base + (currentOC+1)*increment.
         if (auto const ret = checkInsufficientReserve(
-                ctx_.getApplyViewContext(), sle, preFeeBalance_, *sponsorSle, 1, 0, j_);
+                ctx_.getApplyViewContext(),
+                sle,
+                preFeeBalance_,
+                *sponsorSle,
+                {.ownerCountDelta = 1},
+                j_);
             !isTesSuccess(ret))
             return ret;
 
@@ -165,8 +170,7 @@ PaymentChannelCreate::doApply()
                 sle,
                 preFeeBalance_ - ctx_.tx[sfAmount].xrp(),
                 {},
-                ownerCountAdj,
-                0,
+                {.ownerCountDelta = ownerCountAdj},
                 j_);
             !isTesSuccess(ret))
             return tecUNFUNDED;
diff --git a/src/libxrpl/tx/transactors/payment_channel/PaymentChannelFund.cpp b/src/libxrpl/tx/transactors/payment_channel/PaymentChannelFund.cpp
index 0ded1776ad..ab0635068b 100644
--- a/src/libxrpl/tx/transactors/payment_channel/PaymentChannelFund.cpp
+++ b/src/libxrpl/tx/transactors/payment_channel/PaymentChannelFund.cpp
@@ -94,12 +94,12 @@ PaymentChannelFund::doApply()
         if (!sponsorSle)
             return sponsorSle.error();  // LCOV_EXCL_LINE
         if (auto const ret = checkInsufficientReserve(
-                ctx_.getApplyViewContext(), sle, balance, *sponsorSle, 0, 0, j_);
+                ctx_.getApplyViewContext(), sle, balance, *sponsorSle, {}, j_);
             !isTesSuccess(ret))
             return ret;
 
         if (auto const ret = checkInsufficientReserve(
-                ctx_.getApplyViewContext(), sle, balance - ctx_.tx[sfAmount], {}, 0, 0, j_);
+                ctx_.getApplyViewContext(), sle, balance - ctx_.tx[sfAmount], {}, {}, j_);
             !isTesSuccess(ret))
             return tecUNFUNDED;
     }
diff --git a/src/libxrpl/tx/transactors/permissioned_domain/PermissionedDomainSet.cpp b/src/libxrpl/tx/transactors/permissioned_domain/PermissionedDomainSet.cpp
index f1ce1aa551..c2df114e48 100644
--- a/src/libxrpl/tx/transactors/permissioned_domain/PermissionedDomainSet.cpp
+++ b/src/libxrpl/tx/transactors/permissioned_domain/PermissionedDomainSet.cpp
@@ -106,7 +106,8 @@ PermissionedDomainSet::doApply()
         // Create new permissioned domain.
         // Check reserve availability for new object creation
         auto const balance = STAmount((*ownerSle)[sfBalance]).xrp();
-        auto const reserve = accountReserve(ctx_.view(), ownerSle, ctx_.journal, 1);
+        auto const reserve =
+            accountReserve(ctx_.view(), ownerSle, ctx_.journal, {.ownerCountDelta = 1});
         if (balance < reserve)
             return tecINSUFFICIENT_RESERVE;
 
diff --git a/src/libxrpl/tx/transactors/system/TicketCreate.cpp b/src/libxrpl/tx/transactors/system/TicketCreate.cpp
index f7f7e275a1..d1cda85f4e 100644
--- a/src/libxrpl/tx/transactors/system/TicketCreate.cpp
+++ b/src/libxrpl/tx/transactors/system/TicketCreate.cpp
@@ -75,7 +75,11 @@ TicketCreate::doApply()
     // check the starting balance because we want to allow dipping into the
     // reserve to pay fees.
     std::uint32_t const ticketCount = ctx_.tx[sfTicketCount];
-    if (preFeeBalance_ < accountReserve(view(), sleAccountRoot, j_, ticketCount))
+    if (preFeeBalance_ < accountReserve(
+                             view(),
+                             sleAccountRoot,
+                             j_,
+                             {.ownerCountDelta = static_cast<std::int32_t>(ticketCount)}))
         return tecINSUFFICIENT_RESERVE;
 
     beast::Journal const viewJ{ctx_.registry.get().getJournal("View")};
diff --git a/src/libxrpl/tx/transactors/token/MPTokenIssuanceCreate.cpp b/src/libxrpl/tx/transactors/token/MPTokenIssuanceCreate.cpp
index b474a3bf72..a1a75ac531 100644
--- a/src/libxrpl/tx/transactors/token/MPTokenIssuanceCreate.cpp
+++ b/src/libxrpl/tx/transactors/token/MPTokenIssuanceCreate.cpp
@@ -136,7 +136,7 @@ MPTokenIssuanceCreate::create(
     if (args.priorBalance)
     {
         if (auto const ret = checkInsufficientReserve(
-                ctx, acct, *(args.priorBalance), sponsorSle, 1, 0, journal);
+                ctx, acct, *(args.priorBalance), sponsorSle, {.ownerCountDelta = 1}, journal);
             !isTesSuccess(ret))
             return std::unexpected(ret);  // tecINSUFFICIENT_RESERVE
     }
diff --git a/src/libxrpl/tx/transactors/token/TrustSet.cpp b/src/libxrpl/tx/transactors/token/TrustSet.cpp
index 851bfce7fe..cf3f05152d 100644
--- a/src/libxrpl/tx/transactors/token/TrustSet.cpp
+++ b/src/libxrpl/tx/transactors/token/TrustSet.cpp
@@ -543,8 +543,7 @@ TrustSet::doApply()
                     sleLowAccount,
                     preFeeBalance_,
                     *sponsorSle,
-                    1,
-                    0,
+                    {.ownerCountDelta = 1},
                     j_);
                 *sponsorSle && !isTesSuccess(ret))
                 return tecINSUF_RESERVE_LINE;
@@ -578,8 +577,7 @@ TrustSet::doApply()
                     sleHighAccount,
                     preFeeBalance_,
                     *sponsorSle,
-                    1,
-                    0,
+                    {.ownerCountDelta = 1},
                     j_);
                 *sponsorSle && !isTesSuccess(ret))
                 return tecINSUF_RESERVE_LINE;
@@ -615,7 +613,7 @@ TrustSet::doApply()
         // Reserve is not scaled by load.
         else if (
             auto const ret = checkInsufficientReserve(
-                ctx_.getApplyViewContext(), sle, preFeeBalance_, *sponsorSle, 0, 0, j_);
+                ctx_.getApplyViewContext(), sle, preFeeBalance_, *sponsorSle, {}, j_);
             !freeTrustLine && bReserveIncrease && !isTesSuccess(ret))
         {
             JLOG(j_.trace()) << "Delay transaction: Insufficent reserve to "
@@ -646,7 +644,12 @@ TrustSet::doApply()
     }
     else if (
         auto const ret = checkInsufficientReserve(
-            ctx_.getApplyViewContext(), sle, preFeeBalance_, *sponsorSle, 1, 0, j_);
+            ctx_.getApplyViewContext(),
+            sle,
+            preFeeBalance_,
+            *sponsorSle,
+            {.ownerCountDelta = 1},
+            j_);
         !freeTrustLine && !isTesSuccess(ret))  // Reserve is not scaled by load.
     {
         JLOG(j_.trace()) << "Delay transaction: Line does not exist. "