The Real Estate Financial Planner Blueprint™
33 10 25% Down Rental Properties (no Owner-Occupant)

Achieved Financial Independence
First achieved in Month 1196

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 $34,000 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 1196.

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 25% Down Payment Santa Barbara, California Rental Property 1 $401,338 $469,536 $0 $0 $13,566 $884,439
Typical 25% Down Payment Santa Barbara, California Rental Property 2 $401,338 $469,536 $0 $0 $13,566 $884,439
Typical 25% Down Payment Santa Barbara, California Rental Property 3 $401,338 $459,703 $0 $0 $13,478 $874,519
Typical 25% Down Payment Santa Barbara, California Rental Property 4 $401,338 $463,896 $0 $0 $13,515 $878,750
Typical 25% Down Payment Santa Barbara, California Rental Property 5 $401,338 $475,231 $0 $0 $13,616 $890,185
Typical 25% Down Payment Santa Barbara, California Rental Property 6 $401,338 $87,721 $263,685 $40,452 $44,111 $837,307
Typical 25% Down Payment Santa Barbara, California Rental Property 7 $401,338 $39,085 $228,158 $45,305 $47,750 $761,637
Typical 25% Down Payment Santa Barbara, California Rental Property 8 $401,338 -$15,256 $198,040 $50,616 $51,723 $686,462
Typical 25% Down Payment Santa Barbara, California Rental Property 9 $401,338 -$59,100 $174,623 $55,857 $55,731 $628,449
Typical 25% Down Payment Santa Barbara, California Rental Property 10 $401,338 -$125,126 $151,572 $62,405 $60,637 $550,826
Totals: $4,013,380 $2,265,227 $1,016,079 $254,635 $327,693 $7,877,015

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 25% Down Payment Santa Barbara, California Rental Property 1 2.92% 3.42% 0.10% 6.44%
Typical 25% Down Payment Santa Barbara, California Rental Property 2 2.92% 3.42% 0.10% 6.44%
Typical 25% Down Payment Santa Barbara, California Rental Property 3 2.92% 3.35% 0.10% 6.37%
Typical 25% Down Payment Santa Barbara, California Rental Property 4 2.92% 3.38% 0.10% 6.40%
Typical 25% Down Payment Santa Barbara, California Rental Property 5 2.92% 3.46% 0.10% 6.48%
Typical 25% Down Payment Santa Barbara, California Rental Property 6 3.24% 0.71% 2.13% 0.33% 0.36% 6.76%
Typical 25% Down Payment Santa Barbara, California Rental Property 7 3.58% 0.35% 2.03% 0.40% 0.43% 6.79%
Typical 25% Down Payment Santa Barbara, California Rental Property 8 3.98% -0.15% 1.96% 0.50% 0.51% 6.81%
Typical 25% Down Payment Santa Barbara, California Rental Property 9 4.44% -0.65% 1.93% 0.62% 0.62% 6.95%
Typical 25% Down Payment Santa Barbara, California Rental Property 10 5.11% -1.59% 1.93% 0.79% 0.77% 7.02%
Totals: 3.37% 1.90% 0.85% 0.21% 0.27% 6.61%

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 $34,000 and a Ideal Target Monthly Income in Retirement™ of $51,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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