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

Achieved Financial Independence
First achieved in Month 117

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 117.

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 Houston, Texas Nomad™ Property with 5% Lower Rents 1 $9,419 $15,351 $4,246 $1,571 $2,787 $33,374
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 2 $9,419 $14,802 $4,099 $1,618 $2,831 $32,769
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 3 $9,419 $14,236 $3,957 $1,667 $2,876 $32,155
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 4 $9,419 $13,654 $3,820 $1,717 $2,923 $31,532
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 5 $9,419 $10,745 $3,688 $1,768 $3,155 $28,775
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 6 $9,419 $10,058 $3,560 $1,821 $3,210 $28,068
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 7 $9,419 $9,350 $3,437 $1,876 $3,267 $27,348
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 8* $9,419 $0 $3,317 $0 $2,929 $15,666
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 1 $9,419 $15,351 $4,246 $1,571 $2,787 $33,374
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 2 $9,419 $14,802 $4,099 $1,618 $2,831 $32,769
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 3 $9,419 $14,236 $3,957 $1,667 $2,876 $32,155
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 4 $9,419 $13,654 $3,820 $1,717 $2,923 $31,532
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 5 $9,419 $10,745 $3,688 $1,768 $3,155 $28,775
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 6 $9,419 $10,058 $3,560 $1,821 $3,210 $28,068
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 7 $9,419 $9,350 $3,437 $1,876 $3,267 $27,348
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 8* $9,419 $0 $3,317 $0 $2,929 $15,666
Totals: $150,705 $176,389 $60,249 $24,076 $47,955 $459,373
* 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 Houston, Texas Nomad™ Property with 5% Lower Rents 1 6.87% 11.19% 3.10% 1.15% 2.03% 24.33%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 2 7.42% 11.66% 3.23% 1.27% 2.23% 25.80%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 3 8.07% 12.20% 3.39% 1.43% 2.47% 27.56%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 4 8.87% 12.86% 3.60% 1.62% 2.75% 29.70%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 5 9.63% 10.99% 3.77% 1.81% 3.23% 29.42%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 6 10.83% 11.56% 4.09% 2.09% 3.69% 32.26%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 7 12.39% 12.30% 4.52% 2.47% 4.30% 35.98%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 1 6.87% 11.19% 3.10% 1.15% 2.03% 24.33%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 2 7.42% 11.66% 3.23% 1.27% 2.23% 25.80%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 3 8.07% 12.20% 3.39% 1.43% 2.47% 27.56%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 4 8.87% 12.86% 3.60% 1.62% 2.75% 29.70%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 5 9.63% 10.99% 3.77% 1.81% 3.23% 29.42%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 6 10.83% 11.56% 4.09% 2.09% 3.69% 32.26%
Typical Houston, Texas Nomad™ Property with 5% Lower Rents 7 12.39% 12.30% 4.52% 2.47% 4.30% 35.98%
Totals: 8.82% 11.79% 3.58% 1.61% 2.81% 28.62%

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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