The Real Estate Financial Planner Blueprint™
Ep 13 Norm and Norma - Buy 1 Owner-Occupant then 25% Down-Payment Short-Term Rentals

Achieved Financial Independence
First achieved in Month 327

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 $5,000 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 327.

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 Nomad™ Rental Property 1^*	$25,175	$0	$19,828	$0	$2,873	$47,876
Typical 25% Down-Payment Short-Term Rental 1	$25,175	$28,343	$11,537	$3,032	$4,657	$72,744
Typical 25% Down-Payment Short-Term Rental 2	$25,175	$22,722	$9,902	$3,447	$4,972	$66,216
Typical 25% Down-Payment Short-Term Rental 3	$25,175	$19,428	$8,908	$3,766	$5,235	$62,512
Typical 25% Down-Payment Short-Term Rental 4	$25,175	$17,262	$8,228	$4,025	$5,459	$60,149
Typical 25% Down-Payment Short-Term Rental 5	$25,175	$14,616	$7,713	$4,249	$5,637	$57,390
Typical 25% Down-Payment Short-Term Rental 6	$25,175	$13,702	$7,294	$4,453	$5,828	$56,452
Typical 25% Down-Payment Short-Term Rental 7	$25,170	$14,403	$6,415	$4,620	$5,620	$56,228
Totals:	$201,394	$130,476	$79,824	$27,593	$40,281	$479,567
^* 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 25% Down-Payment Short-Term Rental 1	4.15%	4.67%	1.90%	0.50%	0.77%	11.99%
Typical 25% Down-Payment Short-Term Rental 2	4.85%	4.37%	1.91%	0.66%	0.96%	12.75%
Typical 25% Down-Payment Short-Term Rental 3	5.51%	4.25%	1.95%	0.82%	1.15%	13.69%
Typical 25% Down-Payment Short-Term Rental 4	6.17%	4.23%	2.02%	0.99%	1.34%	14.74%
Typical 25% Down-Payment Short-Term Rental 5	6.87%	3.99%	2.10%	1.16%	1.54%	15.65%
Typical 25% Down-Payment Short-Term Rental 6	7.62%	4.15%	2.21%	1.35%	1.76%	17.09%
Typical 25% Down-Payment Short-Term Rental 7	8.50%	4.86%	2.17%	1.56%	1.90%	18.98%
Totals:	5.91%	4.37%	2.01%	0.92%	1.25%	14.47%

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 $5,000 and a Ideal Target Monthly Income in Retirement™ of $10,000 at the time of achieving your Goal of financial independence, let's look at the Phases of Financial Independence™.

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Scenario into my Real Estate Financial Planner™ Software Account

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