The Real Estate Financial Planner Blueprint™
12 Buy 10 Nomads™ with 10% Lower Rents

Achieved Financial Independence
First achieved in Month 639

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 $14,000 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 639.

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 Stamford, Connecticut Nomad™ Property with 10% Lower Rents 1 $93,711 $151,966 $0 $0 $6,080 $251,756
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 2 $93,711 $146,974 $0 $0 $6,035 $246,720
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 3 $93,711 $148,956 $0 $7,920 $6,053 $256,640
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 4 $93,711 $32,407 $70,865 $10,132 $15,510 $222,625
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 5 $93,711 $17,611 $61,001 $11,488 $16,783 $200,595
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 6 $93,711 -$8,647 $49,079 $13,785 $18,929 $166,856
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 7 $93,711 -$28,746 $42,496 $15,554 $20,581 $143,597
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 8 $93,711 -$78,495 $36,797 $17,549 $24,073 $93,635
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 9* $93,711 $0 $33,006 $0 $24,182 $150,899
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 1 $93,711 $151,966 $0 $0 $6,080 $251,756
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 2 $93,711 $146,974 $0 $0 $6,035 $246,720
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 3 $93,711 $148,956 $0 $7,920 $6,053 $256,640
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 4 $93,711 $32,407 $70,865 $10,132 $15,510 $222,625
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 5 $93,711 $17,611 $61,001 $11,488 $16,783 $200,595
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 6 $93,711 -$8,647 $49,079 $13,785 $18,929 $166,856
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 7 $93,711 -$28,746 $42,496 $15,554 $20,581 $143,597
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 8 $93,711 -$78,495 $36,797 $17,549 $24,073 $93,635
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 9* $93,711 $0 $33,006 $0 $24,182 $150,899
Totals: $1,686,802 $764,049 $586,488 $152,856 $276,450 $3,466,646
* 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 Stamford, Connecticut Nomad™ Property with 10% Lower Rents 1 2.89% 4.69% — — 0.19% 7.76%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 2 2.89% 4.53% — — 0.19% 7.61%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 3 2.89% 4.59% — 0.24% 0.19% 7.92%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 4 3.55% 1.23% 2.68% 0.38% 0.59% 8.43%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 5 4.15% 0.78% 2.70% 0.51% 0.74% 8.87%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 6 5.54% -0.51% 2.90% 0.82% 1.12% 9.87%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 7 7.25% -2.22% 3.29% 1.20% 1.59% 11.11%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 8 10.52% -8.81% 4.13% 1.97% 2.70% 10.51%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 1 2.89% 4.69% — — 0.19% 7.76%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 2 2.89% 4.53% — — 0.19% 7.61%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 3 2.89% 4.59% — 0.24% 0.19% 7.92%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 4 3.55% 1.23% 2.68% 0.38% 0.59% 8.43%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 5 4.15% 0.78% 2.70% 0.51% 0.74% 8.87%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 6 5.54% -0.51% 2.90% 0.82% 1.12% 9.87%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 7 7.25% -2.22% 3.29% 1.20% 1.59% 11.11%
Typical Stamford, Connecticut Nomad™ Property with 10% Lower Rents 8 10.52% -8.81% 4.13% 1.97% 2.70% 10.51%
Totals: 4.05% 2.06% 1.41% 0.41% 0.62% 8.55%

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 $14,000 and a Ideal Target Monthly Income in Retirement™ of $21,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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