The Real Estate Financial Planner Blueprint™
21 Buy 10 Nomads™ with .25 Worse Mortgage Interest Rate

Achieved Financial Independence
First achieved in Month 890

The following  Goal chart shows our progress toward achieving this goal of financial independence.

Financial independence is typically a combination of the Safe Withdrawl Rate for the  Scenario from the  Account and the cash flow from  Properties.

We typically think of hitting our Target Monthly Income in Retirement of $18,000 in today's inflation-adjusted dollars, let's look at the Total True Cash Flow and Account Balances in inflation-adjusted values.

The following chart shows the total of all Account Balances for the  Scenario.

The following charts show Total True Cash Flow™ all rental properties. Let's start with the sum.

Next, let's look at the Total True Cash Flow™ for each rental properties (graphically summed/stacked).

And, here's the Total True Cash Flow™ for each rental properties individually just for the month when we first achieve financial independence, Month 890.

Return in Dollars + Reserves

Here's the return in dollars + reserves for the  Properties owned.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% RID+R12™ Total
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 1 $234,248 $311,825 $0 $0 $9,712 $555,786
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 2 $234,248 $307,053 $0 $0 $9,670 $550,971
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 3 $234,248 $305,160 $0 $0 $9,653 $549,061
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 4 $234,248 $311,825 $0 $19,846 $9,712 $575,632
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 5 $234,248 -$638 $176,021 $25,578 $34,117 $469,325
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 6 $234,248 -$62,611 $138,153 $30,919 $39,243 $379,952
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 7 $234,248 -$151,725 $105,404 $38,215 $46,204 $272,346
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 8* $234,248 $0 $87,824 $0 $53,016 $375,087
Totals: $1,873,983 $1,020,890 $507,402 $114,558 $211,328 $3,728,159
* Denotes a property that had no rent for at least part of the period covered.

Return on Equity + Reserves

Here's the return on equity + reserves for the  Properties owned that have rent. We are specifically excluding owner-occupied property here.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% ROE+R12™ Total
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 1 2.91% 3.88% — — 0.12% 6.92%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 2 2.92% 3.82% — — 0.12% 6.86%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 3 2.92% 3.80% — — 0.12% 6.83%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 4 2.91% 3.88% — 0.25% 0.12% 7.16%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 5 3.64% -0.01% 2.74% 0.40% 0.53% 7.29%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 6 4.70% -1.26% 2.77% 0.62% 0.79% 7.62%
Typical Hayward, California Nomad™ Property with .25 Higher Interest Rate 7 7.11% -4.61% 3.20% 1.16% 1.40% 8.27%
Totals: 3.50% 2.18% 0.90% 0.24% 0.34% 7.16%

Asset Allocation

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

And how have they looked over time up to this month?

Phases of Financial Independence™

With a Minimum Target Monthly Income in Retirement™ of $18,000 and a Ideal Target Monthly Income in Retirement™ of $27,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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