The Real Estate Financial Planner Blueprint™
13 Buy 10 Nomads™ with 5% Lower Rents

Achieved Financial Independence
First achieved in Month 675

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 $6,000 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 675.

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 Columbia, Missouri Nomad™ Property with 5% Lower Rents 1 $37,546 $43,574 $0 $0 $3,275 $84,395
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 2 $37,546 $41,906 $0 $0 $3,261 $82,712
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 3 $37,546 $42,643 $0 $3,181 $3,267 $86,636
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 4 $37,546 -$4,400 $28,309 $4,069 $7,063 $72,588
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 5 $37,546 -$16,877 $21,987 $5,030 $7,947 $55,632
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 6* $37,546 $0 $15,227 $0 $8,978 $61,751
Totals: $225,274 $106,845 $65,523 $12,280 $33,791 $443,713
* 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 Columbia, Missouri Nomad™ Property with 5% Lower Rents 1 2.87% 3.33% — — 0.25% 6.44%
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 2 2.87% 3.20% — — 0.25% 6.32%
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 3 2.87% 3.26% — 0.24% 0.25% 6.62%
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 4 3.52% -0.41% 2.66% 0.38% 0.66% 6.81%
Typical Columbia, Missouri Nomad™ Property with 5% Lower Rents 5 4.66% -2.09% 2.73% 0.62% 0.99% 6.90%
Totals: 3.24% 1.84% 0.87% 0.21% 0.43% 6.59%

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 $6,000 and a Ideal Target Monthly Income in Retirement™ of $9,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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