The Real Estate Financial Planner Blueprint™
H-02 100% Stocks, 30% Savings, 11 Nomads 5% DP, 3 RM/SH - $1,800/mo, Pay Off Mortgages In Full - Lowest Balance First

Purchased Typical Family Home - 5% DP 1 Property
Bought in Month 10

We have a Rule that has you buying the Typical Family Home - 5% DP 1 Property when your Account balance in the VTSMX with CAGR of 8.97% over 1871-2017 Account reaches $5,000 (which we adjust for inflation to be worth $5,112.08 in Month 10). The following is a chart showing the balance of VTSMX with CAGR of 8.97% over 1871-2017 Account from the start of the Scenario to Month 10 after we've adjusted for all the income and expenses for the entire month.

To purchase the Typical Family Home - 5% DP 1 Property, we're assuming you're getting a 5% down payment loan. With a $357,845.83 purchase price that means you need to have $17,892.29 for down payment.

The total cost to close must also include the rent ready costs ($0) and closing costs ($8,946.15) minus any seller concessions ($0).

Description Amount
Down Payment $17,892.29
Rent Ready Costs $0
Closing Costs $8,946.15
Seller Concessions $0
Total Cost To Close: $26,838.44

Since this is a Nomad™ Property, you are buying it, moving in and living there for at least a year before renting it.

You are moving into this property, so you are not collecting any rent on this property yet.

Return in Dollars + Reserves

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% RID+R12™ Total
Typical Family Home - 5% DP 1* $10,760 $0 $5,130 $0 $1,898 $17,788
Totals: $10,760 $0 $5,130 $0 $1,898 $17,788
* Denotes a property that had no rent for at least part of the period covered.

Asset Allocation

How are assets allocated? Let's first look at this month.

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