The Real Estate Financial Planner Blueprint™
SS 006 Investing $100,000 in Stocks at 8.97%/yr and Earning and Spending $5,000/mo and Buy 10 Nomad™ Properties

Purchased 4/2 SFH - 5% DP Lender-Paid PMI 1 Property
Bought in Month 1

We have a Rule that has you buying the 4/2 SFH - 5% DP Lender-Paid PMI 1 Property when your Account balance in the $100,000 Invested in VTSMX at 8.97%/year Account reaches $10,000. The following is a chart showing the balance of $100,000 Invested in VTSMX at 8.97%/year Account from the start of the Scenario to Month 1 after we've adjusted for all the income and expenses for the entire month.

To purchase the 4/2 SFH - 5% DP Lender-Paid PMI 1 Property, we're assuming you're getting a 5% down payment loan. With a $300,000 purchase price that means you need to have $15,000 for down payment.

The total cost to close must also include the rent ready costs ($0) and closing costs ($3,000) minus any seller concessions ($0).

Description Amount
Down Payment $15,000
Rent Ready Costs $0
Closing Costs $3,000
Seller Concessions $0
Total Cost To Close: $18,000

Since this is a Nomad™ Property, you are buying it, moving in and living there for at least a year before renting it.

You are moving into this property, so you are not collecting any rent on this property yet.

Return in Dollars + Reserves

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% RID+R12™ Total
4/2 SFH - 5% DP Lender-Paid PMI 1* $9,020 $0 $4,694 $0 $1,482 $15,196
Totals: $9,020 $0 $4,694 $0 $1,482 $15,196
* Denotes a property that had no rent for at least part of the period covered.

Asset Allocation

How are assets allocated? Let's first look at this month.

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