
Colorado Real Estate Models
Check out how Colorado does for these scenarios.
5% Lower Rents While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are only able to get 5% lower rents.
Net Worth at 40 Years
- Arvada = $4.72M
- Aurora = $6.66M
- Boulder = $4.43M
- Centennial = $5.06M
- Colorado Springs = $6.63M
- Denver = $6.85M
- Fort Collins = $4.99M
- Greeley = $5.55M
- Highlands Ranch = $3.95M
- Lakewood = $4.86M
- Loveland = $5.35M
- Pueblo = $6.87M
- Thornton = $5.07M
- Westminster = $5.50M
- Windsor = $5.10M
Month First Achieved Financial Independence
- Arvada = 70.58 Years (847 Months)
- Aurora = 53.67 Years (644 Months)
- Boulder = 73.25 Years (879 Months)
- Centennial = 70.25 Years (843 Months)
- Colorado Springs = 51.75 Years (621 Months)
- Denver = 57.58 Years (691 Months)
- Fort Collins = 67.42 Years (809 Months)
- Greeley = 54.92 Years (659 Months)
- Highlands Ranch = 86.58 Years (1039 Months)
- Lakewood = 71.58 Years (859 Months)
- Loveland = 57.75 Years (693 Months)
- Pueblo = 43.17 Years (518 Months)
- Thornton = 66.58 Years (799 Months)
- Westminster = 63.58 Years (763 Months)
- Windsor = 64.58 Years (775 Months)
5% Higher Rents While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are able to get 5% higher rents.
Net Worth at 40 Years
- Arvada = $6.02M
- Aurora = $9.15M
- Boulder = $4.83M
- Centennial = $6.62M
- Colorado Springs = $9.11M
- Denver = $9.28M
- Fort Collins = $6.49M
- Greeley = $7.12M
- Highlands Ranch = $4.98M
- Lakewood = $6.33M
- Loveland = $6.78M
- Pueblo = $8.72M
- Thornton = $6.74M
- Westminster = $7.08M
- Windsor = $6.60M
Month First Achieved Financial Independence
- Arvada = 60.58 Years (727 Months)
- Aurora = 47.58 Years (571 Months)
- Boulder = 90.58 Years (1087 Months)
- Centennial = 60.58 Years (727 Months)
- Colorado Springs = 45.58 Years (547 Months)
- Denver = 49.83 Years (598 Months)
- Fort Collins = 57.50 Years (690 Months)
- Greeley = 47.58 Years (571 Months)
- Highlands Ranch = 74.08 Years (889 Months)
- Lakewood = 60.58 Years (727 Months)
- Loveland = 51.58 Years (619 Months)
- Pueblo = 36.58 Years (439 Months)
- Thornton = 57.58 Years (691 Months)
- Westminster = 54.58 Years (655 Months)
- Windsor = 56.67 Years (680 Months)
10% Property Price Premium While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except forced to buy properties at a 10% premium.
Net Worth at 40 Years
- Arvada = $4.03M
- Aurora = $5.17M
- Boulder = $4.18M
- Centennial = $4.04M
- Colorado Springs = $5.19M
- Denver = $5.48M
- Fort Collins = $4.08M
- Greeley = $4.65M
- Highlands Ranch = $3.34M
- Lakewood = $3.87M
- Loveland = $4.45M
- Pueblo = $5.55M
- Thornton = $4.15M
- Westminster = $4.42M
- Windsor = $4.11M
Month First Achieved Financial Independence
- Arvada = 70.58 Years (847 Months)
- Aurora = 57.25 Years (687 Months)
- Boulder = 72.17 Years (866 Months)
- Centennial = 70.58 Years (847 Months)
- Colorado Springs = 54.83 Years (658 Months)
- Denver = 58.58 Years (703 Months)
- Fort Collins = 66.58 Years (799 Months)
- Greeley = 54.58 Years (655 Months)
- Highlands Ranch = 86.42 Years (1037 Months)
- Lakewood = 70.58 Years (847 Months)
- Loveland = 59.08 Years (709 Months)
- Pueblo = 44.25 Years (531 Months)
- Thornton = 65.92 Years (791 Months)
- Westminster = 64.58 Years (775 Months)
- Windsor = 65.58 Years (787 Months)
.5 Worse Interest Rate While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .5 worse/higher mortgage interest rate.
Net Worth at 40 Years
- Arvada = $4.03M
- Aurora = $5.17M
- Boulder = $4.18M
- Centennial = $4.04M
- Colorado Springs = $5.19M
- Denver = $5.48M
- Fort Collins = $4.08M
- Greeley = $4.65M
- Highlands Ranch = $3.34M
- Lakewood = $3.87M
- Loveland = $4.45M
- Pueblo = $5.55M
- Thornton = $4.15M
- Westminster = $4.42M
- Windsor = $4.11M
Month First Achieved Financial Independence
- Arvada = 70.58 Years (847 Months)
- Aurora = 57.25 Years (687 Months)
- Boulder = 72.17 Years (866 Months)
- Centennial = 70.58 Years (847 Months)
- Colorado Springs = 54.83 Years (658 Months)
- Denver = 58.58 Years (703 Months)
- Fort Collins = 66.58 Years (799 Months)
- Greeley = 54.58 Years (655 Months)
- Highlands Ranch = 86.42 Years (1037 Months)
- Lakewood = 70.58 Years (847 Months)
- Loveland = 59.08 Years (709 Months)
- Pueblo = 44.25 Years (531 Months)
- Thornton = 65.92 Years (791 Months)
- Westminster = 64.58 Years (775 Months)
- Windsor = 65.58 Years (787 Months)
Nomad to Short-Term Rentals with 75% Higher Rents
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 75% higher rents but with doubled maintenance expenses as well.
Net Worth at 40 Years
- Arvada = $28.25M
- Aurora = $34.02M
- Boulder = $23.00M
- Centennial = $31.48M
- Colorado Springs = $32.27M
- Denver = $39.98M
- Fort Collins = $28.40M
- Greeley = $27.52M
- Highlands Ranch = $24.70M
- Lakewood = $28.42M
- Loveland = $29.17M
- Pueblo = $25.82M
- Thornton = $28.37M
- Westminster = $30.18M
- Windsor = $29.17M
Month First Achieved Financial Independence
- Arvada = 26.83 Years (322 Months)
- Aurora = 17.58 Years (211 Months)
- Boulder = 44.58 Years (535 Months)
- Centennial = 25.58 Years (307 Months)
- Colorado Springs = 16.58 Years (199 Months)
- Denver = 18.58 Years (223 Months)
- Fort Collins = 24.58 Years (295 Months)
- Greeley = 17.92 Years (215 Months)
- Highlands Ranch = 36.08 Years (433 Months)
- Lakewood = 26.58 Years (319 Months)
- Loveland = 19.58 Years (235 Months)
- Pueblo = 12.75 Years (153 Months)
- Thornton = 23.58 Years (283 Months)
- Westminster = 22.58 Years (271 Months)
- Windsor = 24.50 Years (294 Months)
10% Property Price Discount While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties at a 10% discount.
Net Worth at 40 Years
- Arvada = $8.26M
- Aurora = $13.05M
- Boulder = $6.14M
- Centennial = $9.28M
- Colorado Springs = $13.24M
- Denver = $13.63M
- Fort Collins = $9.17M
- Greeley = $10.11M
- Highlands Ranch = $6.63M
- Lakewood = $8.59M
- Loveland = $9.53M
- Pueblo = $11.43M
- Thornton = $9.08M
- Westminster = $9.95M
- Windsor = $9.27M
Month First Achieved Financial Independence
- Arvada = 57.58 Years (691 Months)
- Aurora = 42.58 Years (511 Months)
- Boulder = 86.33 Years (1036 Months)
- Centennial = 57.58 Years (691 Months)
- Colorado Springs = 40.58 Years (487 Months)
- Denver = 45.58 Years (547 Months)
- Fort Collins = 53.58 Years (643 Months)
- Greeley = 43.58 Years (523 Months)
- Highlands Ranch = 71.58 Years (859 Months)
- Lakewood = 57.92 Years (695 Months)
- Loveland = 46.58 Years (559 Months)
- Pueblo = 32.58 Years (391 Months)
- Thornton = 53.58 Years (643 Months)
- Westminster = 50.58 Years (607 Months)
- Windsor = 53.58 Years (643 Months)
Nomad to Short-Term Rentals with 50% Higher Rents
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 50% higher rents but with doubled maintenance expenses as well.
Net Worth at 40 Years
- Arvada = $17.80M
- Aurora = $24.41M
- Boulder = $11.94M
- Centennial = $19.68M
- Colorado Springs = $23.10M
- Denver = $27.97M
- Fort Collins = $18.61M
- Greeley = $19.35M
- Highlands Ranch = $13.66M
- Lakewood = $17.98M
- Loveland = $18.51M
- Pueblo = $19.56M
- Thornton = $18.93M
- Westminster = $20.62M
- Windsor = $18.27M
Month First Achieved Financial Independence
- Arvada = 39.17 Years (470 Months)
- Aurora = 26.58 Years (319 Months)
- Boulder = 59.58 Years (715 Months)
- Centennial = 37.58 Years (451 Months)
- Colorado Springs = 24.58 Years (295 Months)
- Denver = 27.58 Years (331 Months)
- Fort Collins = 35.58 Years (427 Months)
- Greeley = 27.58 Years (331 Months)
- Highlands Ranch = 47.08 Years (565 Months)
- Lakewood = 38.58 Years (463 Months)
- Loveland = 32.33 Years (388 Months)
- Pueblo = 18.58 Years (223 Months)
- Thornton = 34.67 Years (416 Months)
- Westminster = 33.58 Years (403 Months)
- Windsor = 35.58 Years (427 Months)
5% Property Price Premium While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except forced to buy properties at a 5% premium.
Net Worth at 40 Years
- Arvada = $4.49M
- Aurora = $6.26M
- Boulder = $4.44M
- Centennial = $4.80M
- Colorado Springs = $6.12M
- Denver = $6.48M
- Fort Collins = $4.80M
- Greeley = $5.22M
- Highlands Ranch = $3.78M
- Lakewood = $4.62M
- Loveland = $5.15M
- Pueblo = $6.54M
- Thornton = $4.79M
- Westminster = $5.10M
- Windsor = $4.86M
Month First Achieved Financial Independence
- Arvada = 67.58 Years (811 Months)
- Aurora = 54.58 Years (655 Months)
- Boulder = 71.75 Years (861 Months)
- Centennial = 67.08 Years (805 Months)
- Colorado Springs = 52.58 Years (631 Months)
- Denver = 57.58 Years (691 Months)
- Fort Collins = 64.58 Years (775 Months)
- Greeley = 53.83 Years (646 Months)
- Highlands Ranch = 84.08 Years (1009 Months)
- Lakewood = 68.58 Years (823 Months)
- Loveland = 55.67 Years (668 Months)
- Pueblo = 42.00 Years (504 Months)
- Thornton = 64.08 Years (769 Months)
- Westminster = 61.58 Years (739 Months)
- Windsor = 64.58 Years (775 Months)
10% Less Job Income While Nomading™
Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy but model it with the investor earning 10% less income than in the Baseline Nomad™ Scenario.
Net Worth at 40 Years
- Arvada = $1.19M
- Aurora = $2.63M
- Boulder = -$666.61K
- Centennial = $618.32K
- Colorado Springs = $3.27M
- Denver = $1.54M
- Fort Collins = $1.59M
- Greeley = $3.01M
- Highlands Ranch = $8,006
- Lakewood = $1.18M
- Loveland = $2.55M
- Pueblo = $4.89M
- Thornton = $1.54M
- Westminster = $1.65M
- Windsor = $1.64M
Month First Achieved Financial Independence
- Arvada = 82.08 Years (985 Months)
- Aurora = 69.58 Years (835 Months)
- Boulder = 0.00 Years (0 Months)
- Centennial = 93.00 Years (1116 Months)
- Colorado Springs = 62.58 Years (751 Months)
- Denver = 82.08 Years (985 Months)
- Fort Collins = 86.83 Years (1042 Months)
- Greeley = 62.58 Years (751 Months)
- Highlands Ranch = 0.00 Years (0 Months)
- Lakewood = 94.58 Years (1135 Months)
- Loveland = 69.25 Years (831 Months)
- Pueblo = 43.83 Years (526 Months)
- Thornton = 88.58 Years (1063 Months)
- Westminster = 83.58 Years (1003 Months)
- Windsor = 84.33 Years (1012 Months)
.25 Better Interest Rate While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .25 better/lower mortgage interest rate.
Net Worth at 40 Years
- Arvada = $5.80M
- Aurora = $8.65M
- Boulder = $4.69M
- Centennial = $6.32M
- Colorado Springs = $8.61M
- Denver = $8.90M
- Fort Collins = $6.25M
- Greeley = $6.83M
- Highlands Ranch = $4.74M
- Lakewood = $6.04M
- Loveland = $6.43M
- Pueblo = $8.65M
- Thornton = $6.22M
- Westminster = $6.67M
- Windsor = $6.22M
Month First Achieved Financial Independence
- Arvada = 64.58 Years (775 Months)
- Aurora = 48.50 Years (582 Months)
- Boulder = 93.75 Years (1125 Months)
- Centennial = 63.58 Years (763 Months)
- Colorado Springs = 46.92 Years (563 Months)
- Denver = 51.67 Years (620 Months)
- Fort Collins = 61.25 Years (735 Months)
- Greeley = 50.58 Years (607 Months)
- Highlands Ranch = 76.83 Years (922 Months)
- Lakewood = 63.58 Years (763 Months)
- Loveland = 53.58 Years (643 Months)
- Pueblo = 39.58 Years (475 Months)
- Thornton = 60.75 Years (729 Months)
- Westminster = 58.58 Years (703 Months)
- Windsor = 59.58 Years (715 Months)
10% Higher Rents While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are able to get 10% higher rents.
Net Worth at 40 Years
- Arvada = $6.93M
- Aurora = $10.86M
- Boulder = $5.34M
- Centennial = $7.46M
- Colorado Springs = $10.64M
- Denver = $10.95M
- Fort Collins = $7.42M
- Greeley = $8.05M
- Highlands Ranch = $5.61M
- Lakewood = $7.09M
- Loveland = $7.63M
- Pueblo = $10.14M
- Thornton = $7.77M
- Westminster = $8.35M
- Windsor = $7.41M
Month First Achieved Financial Independence
- Arvada = 57.50 Years (690 Months)
- Aurora = 43.58 Years (523 Months)
- Boulder = 84.58 Years (1015 Months)
- Centennial = 56.58 Years (679 Months)
- Colorado Springs = 41.92 Years (503 Months)
- Denver = 45.67 Years (548 Months)
- Fort Collins = 52.92 Years (635 Months)
- Greeley = 44.92 Years (539 Months)
- Highlands Ranch = 68.75 Years (825 Months)
- Lakewood = 56.50 Years (678 Months)
- Loveland = 48.08 Years (577 Months)
- Pueblo = 34.92 Years (419 Months)
- Thornton = 52.58 Years (631 Months)
- Westminster = 50.75 Years (609 Months)
- Windsor = 53.58 Years (643 Months)
Nomad to Short-Term Rentals with 25% Higher Rents
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 25% higher rents but with doubled maintenance expenses as well.
Net Worth at 40 Years
- Arvada = $8.69M
- Aurora = $14.41M
- Boulder = $6.94M
- Centennial = $9.87M
- Colorado Springs = $13.84M
- Denver = $15.50M
- Fort Collins = $9.64M
- Greeley = $10.69M
- Highlands Ranch = $7.15M
- Lakewood = $9.21M
- Loveland = $10.01M
- Pueblo = $12.88M
- Thornton = $9.92M
- Westminster = $10.80M
- Windsor = $9.84M
Month First Achieved Financial Independence
- Arvada = 55.58 Years (667 Months)
- Aurora = 38.83 Years (466 Months)
- Boulder = 80.25 Years (963 Months)
- Centennial = 53.33 Years (640 Months)
- Colorado Springs = 37.42 Years (449 Months)
- Denver = 41.58 Years (499 Months)
- Fort Collins = 49.58 Years (595 Months)
- Greeley = 41.58 Years (499 Months)
- Highlands Ranch = 65.58 Years (787 Months)
- Lakewood = 53.58 Years (643 Months)
- Loveland = 45.83 Years (550 Months)
- Pueblo = 30.58 Years (367 Months)
- Thornton = 49.00 Years (588 Months)
- Westminster = 46.58 Years (559 Months)
- Windsor = 49.58 Years (595 Months)
25% Down Payment Non-Owner-Occupant
Buy 1 owner-occupant property with 5% down then up to 9 non-owner-occupant properties with 25% down payments.
Net Worth at 40 Years
- Arvada = $5.52M
- Aurora = $8.16M
- Boulder = $4.71M
- Centennial = $5.91M
- Colorado Springs = $8.29M
- Denver = $8.30M
- Fort Collins = $5.95M
- Greeley = $6.87M
- Highlands Ranch = $4.63M
- Lakewood = $5.68M
- Loveland = $6.54M
- Pueblo = $8.70M
- Thornton = $5.92M
- Westminster = $6.38M
- Windsor = $5.94M
Month First Achieved Financial Independence
- Arvada = 65.58 Years (787 Months)
- Aurora = 48.58 Years (583 Months)
- Boulder = 93.58 Years (1123 Months)
- Centennial = 64.58 Years (775 Months)
- Colorado Springs = 46.42 Years (557 Months)
- Denver = 51.58 Years (619 Months)
- Fort Collins = 59.58 Years (715 Months)
- Greeley = 49.58 Years (595 Months)
- Highlands Ranch = 78.92 Years (947 Months)
- Lakewood = 63.58 Years (763 Months)
- Loveland = 53.58 Years (643 Months)
- Pueblo = 37.50 Years (450 Months)
- Thornton = 59.58 Years (715 Months)
- Westminster = 56.83 Years (682 Months)
- Windsor = 59.83 Years (718 Months)
10% More Job Income While Nomading™
Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy but model it with the investor earning 10% more income than in the Baseline Nomad™ Scenario.
Net Worth at 40 Years
- Arvada = $9.31M
- Aurora = $11.92M
- Boulder = $9.87M
- Centennial = $10.32M
- Colorado Springs = $11.62M
- Denver = $13.25M
- Fort Collins = $9.50M
- Greeley = $9.38M
- Highlands Ranch = $8.57M
- Lakewood = $9.51M
- Loveland = $9.37M
- Pueblo = $10.60M
- Thornton = $9.54M
- Westminster = $10.14M
- Windsor = $9.69M
Month First Achieved Financial Independence
- Arvada = 54.00 Years (648 Months)
- Aurora = 44.33 Years (532 Months)
- Boulder = 74.75 Years (897 Months)
- Centennial = 54.50 Years (654 Months)
- Colorado Springs = 43.25 Years (519 Months)
- Denver = 45.92 Years (551 Months)
- Fort Collins = 53.58 Years (643 Months)
- Greeley = 45.75 Years (549 Months)
- Highlands Ranch = 66.92 Years (803 Months)
- Lakewood = 54.67 Years (656 Months)
- Loveland = 47.92 Years (575 Months)
- Pueblo = 37.58 Years (451 Months)
- Thornton = 53.58 Years (643 Months)
- Westminster = 50.08 Years (601 Months)
- Windsor = 51.83 Years (622 Months)
Nomad™ and Sell ALL Rentals if SWR Achieves FI
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except sell all the rental properties if by doing so you can invest the proceeds and achieve financial independence utilizing a Safe Withdrawal Rate of the money you have invested.
Net Worth at 40 Years
- Arvada = $5.40M
- Aurora = $7.66M
- Boulder = $4.55M
- Centennial = $5.80M
- Colorado Springs = $7.62M
- Denver = $7.93M
- Fort Collins = $5.78M
- Greeley = $6.28M
- Highlands Ranch = $4.41M
- Lakewood = $5.55M
- Loveland = $6.00M
- Pueblo = $6.16M
- Thornton = $5.88M
- Westminster = $6.22M
- Windsor = $5.72M
Month First Achieved Financial Independence
- Arvada = 60.83 Years (730 Months)
- Aurora = 48.17 Years (578 Months)
- Boulder = 88.67 Years (1064 Months)
- Centennial = 60.58 Years (727 Months)
- Colorado Springs = 46.17 Years (554 Months)
- Denver = 50.92 Years (611 Months)
- Fort Collins = 56.83 Years (682 Months)
- Greeley = 47.67 Years (572 Months)
- Highlands Ranch = 74.17 Years (890 Months)
- Lakewood = 59.75 Years (717 Months)
- Loveland = 51.25 Years (615 Months)
- Pueblo = 38.33 Years (460 Months)
- Thornton = 56.58 Years (679 Months)
- Westminster = 55.00 Years (660 Months)
- Windsor = 57.00 Years (684 Months)
Nomad™ Start with $0
Do the traditional Nomad™ strategy except you start with $0 saved up.
Net Worth at 40 Years
- Arvada = $4.49M
- Aurora = $6.71M
- Boulder = $3.56M
- Centennial = $4.82M
- Colorado Springs = $6.68M
- Denver = $6.63M
- Fort Collins = $4.93M
- Greeley = $5.49M
- Highlands Ranch = $3.71M
- Lakewood = $4.67M
- Loveland = $5.25M
- Pueblo = $7.29M
- Thornton = $5.04M
- Westminster = $5.30M
- Windsor = $4.88M
Month First Achieved Financial Independence
- Arvada = 68.67 Years (824 Months)
- Aurora = 53.25 Years (639 Months)
- Boulder = 0.00 Years (0 Months)
- Centennial = 67.58 Years (811 Months)
- Colorado Springs = 51.58 Years (619 Months)
- Denver = 57.58 Years (691 Months)
- Fort Collins = 64.58 Years (775 Months)
- Greeley = 53.58 Years (643 Months)
- Highlands Ranch = 84.58 Years (1015 Months)
- Lakewood = 67.33 Years (808 Months)
- Loveland = 57.83 Years (694 Months)
- Pueblo = 42.08 Years (505 Months)
- Thornton = 65.58 Years (787 Months)
- Westminster = 61.58 Years (739 Months)
- Windsor = 65.50 Years (786 Months)
Baseline Nomad™ Scenario
Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
Net Worth at 40 Years
- Arvada = $5.40M
- Aurora = $7.66M
- Boulder = $4.55M
- Centennial = $5.80M
- Colorado Springs = $7.62M
- Denver = $7.93M
- Fort Collins = $5.78M
- Greeley = $6.28M
- Highlands Ranch = $4.41M
- Lakewood = $5.55M
- Loveland = $6.00M
- Pueblo = $7.81M
- Thornton = $5.88M
- Westminster = $6.22M
- Windsor = $5.72M
Month First Achieved Financial Independence
- Arvada = 64.58 Years (775 Months)
- Aurora = 50.75 Years (609 Months)
- Boulder = 96.83 Years (1162 Months)
- Centennial = 63.67 Years (764 Months)
- Colorado Springs = 49.58 Years (595 Months)
- Denver = 54.58 Years (655 Months)
- Fort Collins = 61.58 Years (739 Months)
- Greeley = 51.00 Years (612 Months)
- Highlands Ranch = 80.58 Years (967 Months)
- Lakewood = 65.58 Years (787 Months)
- Loveland = 55.58 Years (667 Months)
- Pueblo = 40.67 Years (488 Months)
- Thornton = 62.58 Years (751 Months)
- Westminster = 58.58 Years (703 Months)
- Windsor = 62.50 Years (750 Months)
10% Property Manager While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except hire a professional property manager costing 10% of gross rents.
Net Worth at 40 Years
- Arvada = $4.95M
- Aurora = $6.56M
- Boulder = $4.49M
- Centennial = $5.27M
- Colorado Springs = $6.48M
- Denver = $7.01M
- Fort Collins = $5.13M
- Greeley = $5.61M
- Highlands Ranch = $4.18M
- Lakewood = $4.98M
- Loveland = $5.45M
- Pueblo = $6.48M
- Thornton = $5.16M
- Westminster = $5.49M
- Windsor = $5.18M
Month First Achieved Financial Independence
- Arvada = 72.17 Years (866 Months)
- Aurora = 56.58 Years (679 Months)
- Boulder = 0.00 Years (0 Months)
- Centennial = 71.67 Years (860 Months)
- Colorado Springs = 54.58 Years (655 Months)
- Denver = 59.58 Years (715 Months)
- Fort Collins = 66.83 Years (802 Months)
- Greeley = 55.67 Years (668 Months)
- Highlands Ranch = 89.58 Years (1075 Months)
- Lakewood = 71.75 Years (861 Months)
- Loveland = 59.42 Years (713 Months)
- Pueblo = 45.83 Years (550 Months)
- Thornton = 68.58 Years (823 Months)
- Westminster = 64.58 Years (775 Months)
- Windsor = 67.25 Years (807 Months)
3% Property Price Discount While Nomading™ as Real Estate Agent
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except as a real estate agent you take your 3% commission as a discount off the purchase price.
Net Worth at 40 Years
- Arvada = $5.99M
- Aurora = $8.94M
- Boulder = $4.83M
- Centennial = $6.56M
- Colorado Springs = $8.85M
- Denver = $9.16M
- Fort Collins = $6.46M
- Greeley = $7.10M
- Highlands Ranch = $4.89M
- Lakewood = $6.22M
- Loveland = $6.71M
- Pueblo = $9.01M
- Thornton = $6.60M
- Westminster = $7.09M
- Windsor = $6.53M
Month First Achieved Financial Independence
- Arvada = 64.58 Years (775 Months)
- Aurora = 47.83 Years (574 Months)
- Boulder = 95.83 Years (1150 Months)
- Centennial = 62.92 Years (755 Months)
- Colorado Springs = 46.58 Years (559 Months)
- Denver = 51.58 Years (619 Months)
- Fort Collins = 60.58 Years (727 Months)
- Greeley = 49.58 Years (595 Months)
- Highlands Ranch = 76.83 Years (922 Months)
- Lakewood = 63.17 Years (758 Months)
- Loveland = 53.17 Years (638 Months)
- Pueblo = 38.58 Years (463 Months)
- Thornton = 59.58 Years (715 Months)
- Westminster = 57.58 Years (691 Months)
- Windsor = 58.58 Years (703 Months)
Nomad™ and Payoff OO if Achieves FI
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except payoff your owner-occupant property if by doing so that means you achieve financial independence.
Net Worth at 40 Years
- Arvada = $5.40M
- Aurora = $7.66M
- Boulder = $4.55M
- Centennial = $5.80M
- Colorado Springs = $7.62M
- Denver = $7.93M
- Fort Collins = $5.78M
- Greeley = $6.28M
- Highlands Ranch = $4.41M
- Lakewood = $5.55M
- Loveland = $6.00M
- Pueblo = $7.68M
- Thornton = $5.88M
- Westminster = $6.22M
- Windsor = $5.72M
Month First Achieved Financial Independence
- Arvada = 64.58 Years (775 Months)
- Aurora = 50.75 Years (609 Months)
- Boulder = 96.83 Years (1162 Months)
- Centennial = 63.67 Years (764 Months)
- Colorado Springs = 49.58 Years (595 Months)
- Denver = 54.58 Years (655 Months)
- Fort Collins = 61.58 Years (739 Months)
- Greeley = 50.08 Years (601 Months)
- Highlands Ranch = 80.58 Years (967 Months)
- Lakewood = 65.58 Years (787 Months)
- Loveland = 53.33 Years (640 Months)
- Pueblo = 39.25 Years (471 Months)
- Thornton = 62.58 Years (751 Months)
- Westminster = 58.58 Years (703 Months)
- Windsor = 62.50 Years (750 Months)
Buy Non-Owner-Occupant All Cash As Renter
Save up and buy up to 10 non-owner-occupant properties all cash (without any mortgage) while you remain a renter the entire time.
Net Worth at 40 Years
- Arvada = $4.45M
- Aurora = $4.81M
- Boulder = $4.78M
- Centennial = $4.57M
- Colorado Springs = $4.83M
- Denver = $4.78M
- Fort Collins = $4.50M
- Greeley = $4.63M
- Highlands Ranch = $4.43M
- Lakewood = $4.51M
- Loveland = $4.58M
- Pueblo = $4.92M
- Thornton = $4.52M
- Westminster = $4.56M
- Windsor = $4.53M
Month First Achieved Financial Independence
- Arvada = 61.83 Years (742 Months)
- Aurora = 50.58 Years (607 Months)
- Boulder = 85.58 Years (1027 Months)
- Centennial = 61.58 Years (739 Months)
- Colorado Springs = 48.58 Years (583 Months)
- Denver = 54.58 Years (655 Months)
- Fort Collins = 58.17 Years (698 Months)
- Greeley = 48.58 Years (583 Months)
- Highlands Ranch = 72.00 Years (864 Months)
- Lakewood = 60.58 Years (727 Months)
- Loveland = 51.58 Years (619 Months)
- Pueblo = 38.50 Years (462 Months)
- Thornton = 57.58 Years (691 Months)
- Westminster = 56.58 Years (679 Months)
- Windsor = 57.58 Years (691 Months)
Buy Non-Owner-Occupant All Cash
Buy 1 owner-occupant property with 5% down then save up and buy up to 9 non-owner-occupant properties all cash (without any mortgage).
Net Worth at 40 Years
- Arvada = $5.29M
- Aurora = $6.52M
- Boulder = $4.71M
- Centennial = $5.58M
- Colorado Springs = $6.52M
- Denver = $6.90M
- Fort Collins = $5.43M
- Greeley = $5.82M
- Highlands Ranch = $4.63M
- Lakewood = $5.35M
- Loveland = $5.73M
- Pueblo = $5.12M
- Thornton = $5.44M
- Westminster = $5.71M
- Windsor = $5.50M
Month First Achieved Financial Independence
- Arvada = 53.58 Years (643 Months)
- Aurora = 42.58 Years (511 Months)
- Boulder = 76.58 Years (919 Months)
- Centennial = 53.17 Years (638 Months)
- Colorado Springs = 40.58 Years (487 Months)
- Denver = 44.58 Years (535 Months)
- Fort Collins = 50.25 Years (603 Months)
- Greeley = 41.17 Years (494 Months)
- Highlands Ranch = 64.58 Years (775 Months)
- Lakewood = 52.75 Years (633 Months)
- Loveland = 43.75 Years (525 Months)
- Pueblo = 33.08 Years (397 Months)
- Thornton = 50.08 Years (601 Months)
- Westminster = 48.58 Years (583 Months)
- Windsor = 49.58 Years (595 Months)
Nomad™ and Sell SOME Rentals to Payoff Others if FI
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except sell some rental properties if by doing so you can payoff the others and achieve financial independence primarily from free and clear cash flow.
Net Worth at 40 Years
- Arvada = $5.35M
- Aurora = $7.81M
- Boulder = $4.54M
- Centennial = $5.79M
- Colorado Springs = $7.77M
- Denver = $7.99M
- Fort Collins = $5.71M
- Greeley = $6.41M
- Highlands Ranch = $4.40M
- Lakewood = $5.55M
- Loveland = $6.05M
- Pueblo = $6.66M
- Thornton = $5.87M
- Westminster = $6.17M
- Windsor = $5.72M
Month First Achieved Financial Independence
- Arvada = 61.00 Years (732 Months)
- Aurora = 44.08 Years (529 Months)
- Boulder = 91.67 Years (1100 Months)
- Centennial = 60.42 Years (725 Months)
- Colorado Springs = 42.33 Years (508 Months)
- Denver = 48.00 Years (576 Months)
- Fort Collins = 56.08 Years (673 Months)
- Greeley = 44.42 Years (533 Months)
- Highlands Ranch = 76.25 Years (915 Months)
- Lakewood = 59.67 Years (716 Months)
- Loveland = 48.50 Years (582 Months)
- Pueblo = 34.08 Years (409 Months)
- Thornton = 54.67 Years (656 Months)
- Westminster = 51.17 Years (614 Months)
- Windsor = 53.67 Years (644 Months)
.25 Worse Interest Rate While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .25 worse/higher mortgage interest rate.
Net Worth at 40 Years
- Arvada = $5.04M
- Aurora = $7.10M
- Boulder = $4.57M
- Centennial = $5.41M
- Colorado Springs = $7.09M
- Denver = $7.30M
- Fort Collins = $5.34M
- Greeley = $5.87M
- Highlands Ranch = $4.13M
- Lakewood = $5.13M
- Loveland = $5.57M
- Pueblo = $7.28M
- Thornton = $5.40M
- Westminster = $5.75M
- Windsor = $5.33M
Month First Achieved Financial Independence
- Arvada = 65.00 Years (780 Months)
- Aurora = 52.92 Years (635 Months)
- Boulder = 71.67 Years (860 Months)
- Centennial = 66.17 Years (794 Months)
- Colorado Springs = 51.08 Years (613 Months)
- Denver = 55.58 Years (667 Months)
- Fort Collins = 61.58 Years (739 Months)
- Greeley = 52.58 Years (631 Months)
- Highlands Ranch = 80.58 Years (967 Months)
- Lakewood = 66.25 Years (795 Months)
- Loveland = 55.58 Years (667 Months)
- Pueblo = 41.33 Years (496 Months)
- Thornton = 63.50 Years (762 Months)
- Westminster = 61.25 Years (735 Months)
- Windsor = 62.42 Years (749 Months)
3% Commission While Nomading™ as Real Estate Agent
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except as a real estate agent you earn a 3% commission with each property you purchase.
Net Worth at 40 Years
- Arvada = $5.84M
- Aurora = $8.26M
- Boulder = $4.74M
- Centennial = $6.34M
- Colorado Springs = $8.19M
- Denver = $8.56M
- Fort Collins = $6.27M
- Greeley = $6.72M
- Highlands Ranch = $4.89M
- Lakewood = $6.06M
- Loveland = $6.42M
- Pueblo = $8.03M
- Thornton = $6.37M
- Westminster = $6.72M
- Windsor = $6.21M
Month First Achieved Financial Independence
- Arvada = 62.58 Years (751 Months)
- Aurora = 50.17 Years (602 Months)
- Boulder = 94.58 Years (1135 Months)
- Centennial = 61.58 Years (739 Months)
- Colorado Springs = 47.67 Years (572 Months)
- Denver = 51.83 Years (622 Months)
- Fort Collins = 57.58 Years (691 Months)
- Greeley = 49.58 Years (595 Months)
- Highlands Ranch = 76.58 Years (919 Months)
- Lakewood = 61.58 Years (739 Months)
- Loveland = 52.58 Years (631 Months)
- Pueblo = 38.58 Years (463 Months)
- Thornton = 59.42 Years (713 Months)
- Westminster = 56.58 Years (679 Months)
- Windsor = 58.58 Years (703 Months)
.5 Better Interest Rate While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .5 better/lower mortgage interest rate.
Net Worth at 40 Years
- Arvada = $6.27M
- Aurora = $9.29M
- Boulder = $4.88M
- Centennial = $6.82M
- Colorado Springs = $9.40M
- Denver = $9.74M
- Fort Collins = $6.76M
- Greeley = $7.52M
- Highlands Ranch = $5.03M
- Lakewood = $6.42M
- Loveland = $6.96M
- Pueblo = $9.47M
- Thornton = $6.86M
- Westminster = $7.35M
- Windsor = $6.83M
Month First Achieved Financial Independence
- Arvada = 62.58 Years (751 Months)
- Aurora = 46.58 Years (559 Months)
- Boulder = 94.42 Years (1133 Months)
- Centennial = 62.75 Years (753 Months)
- Colorado Springs = 45.58 Years (547 Months)
- Denver = 49.75 Years (597 Months)
- Fort Collins = 58.58 Years (703 Months)
- Greeley = 48.42 Years (581 Months)
- Highlands Ranch = 77.58 Years (931 Months)
- Lakewood = 63.33 Years (760 Months)
- Loveland = 52.58 Years (631 Months)
- Pueblo = 36.58 Years (439 Months)
- Thornton = 58.83 Years (706 Months)
- Westminster = 55.58 Years (667 Months)
- Windsor = 56.67 Years (680 Months)
5% Property Price Discount While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties at a 5% discount.
Net Worth at 40 Years
- Arvada = $6.54M
- Aurora = $9.98M
- Boulder = $5.14M
- Centennial = $7.06M
- Colorado Springs = $10.02M
- Denver = $10.45M
- Fort Collins = $7.07M
- Greeley = $7.79M
- Highlands Ranch = $5.30M
- Lakewood = $6.78M
- Loveland = $7.37M
- Pueblo = $9.65M
- Thornton = $7.11M
- Westminster = $7.85M
- Windsor = $7.18M
Month First Achieved Financial Independence
- Arvada = 61.75 Years (741 Months)
- Aurora = 46.58 Years (559 Months)
- Boulder = 92.92 Years (1115 Months)
- Centennial = 62.58 Years (751 Months)
- Colorado Springs = 44.83 Years (538 Months)
- Denver = 49.33 Years (592 Months)
- Fort Collins = 58.58 Years (703 Months)
- Greeley = 48.00 Years (576 Months)
- Highlands Ranch = 76.58 Years (919 Months)
- Lakewood = 62.50 Years (750 Months)
- Loveland = 52.08 Years (625 Months)
- Pueblo = 36.17 Years (434 Months)
- Thornton = 58.58 Years (703 Months)
- Westminster = 54.58 Years (655 Months)
- Windsor = 57.75 Years (693 Months)
20% Down Payment Non-Owner-Occupant
Buy 1 owner-occupant property with 5% down then up to 9 non-owner-occupant properties with 20% down payments.
Net Worth at 40 Years
- Arvada = $5.49M
- Aurora = $8.04M
- Boulder = $4.67M
- Centennial = $5.81M
- Colorado Springs = $8.18M
- Denver = $8.25M
- Fort Collins = $5.83M
- Greeley = $6.77M
- Highlands Ranch = $4.56M
- Lakewood = $5.54M
- Loveland = $6.41M
- Pueblo = $8.70M
- Thornton = $5.88M
- Westminster = $6.28M
- Windsor = $5.84M
Month First Achieved Financial Independence
- Arvada = 66.67 Years (800 Months)
- Aurora = 49.58 Years (595 Months)
- Boulder = 96.58 Years (1159 Months)
- Centennial = 65.83 Years (790 Months)
- Colorado Springs = 47.58 Years (571 Months)
- Denver = 52.58 Years (631 Months)
- Fort Collins = 61.58 Years (739 Months)
- Greeley = 49.92 Years (599 Months)
- Highlands Ranch = 80.33 Years (964 Months)
- Lakewood = 66.58 Years (799 Months)
- Loveland = 53.92 Years (647 Months)
- Pueblo = 37.83 Years (454 Months)
- Thornton = 60.67 Years (728 Months)
- Westminster = 58.58 Years (703 Months)
- Windsor = 61.58 Years (739 Months)
10% Lower Rents While Nomading™
Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are only able to get 10% lower rents.
Net Worth at 40 Years
- Arvada = $4.19M
- Aurora = $5.81M
- Boulder = $4.17M
- Centennial = $4.42M
- Colorado Springs = $5.80M
- Denver = $6.01M
- Fort Collins = $4.46M
- Greeley = $4.93M
- Highlands Ranch = $3.56M
- Lakewood = $4.25M
- Loveland = $4.77M
- Pueblo = $5.98M
- Thornton = $4.37M
- Westminster = $4.72M
- Windsor = $4.48M
Month First Achieved Financial Independence
- Arvada = 75.58 Years (907 Months)
- Aurora = 58.92 Years (707 Months)
- Boulder = 75.08 Years (901 Months)
- Centennial = 75.83 Years (910 Months)
- Colorado Springs = 54.58 Years (655 Months)
- Denver = 60.58 Years (727 Months)
- Fort Collins = 71.00 Years (852 Months)
- Greeley = 57.58 Years (691 Months)
- Highlands Ranch = 93.58 Years (1123 Months)
- Lakewood = 75.42 Years (905 Months)
- Loveland = 62.17 Years (746 Months)
- Pueblo = 47.00 Years (564 Months)
- Thornton = 71.00 Years (852 Months)
- Westminster = 67.92 Years (815 Months)
- Windsor = 70.58 Years (847 Months)
No Real Estate, Invest in Stocks
Save up and invest in stocks while you remain a renter the entire time. Do not buy any real estate... owner-occupant or investment.
Net Worth at 40 Years
- Arvada = $4.30M
- Aurora = $4.18M
- Boulder = $4.82M
- Centennial = $4.34M
- Colorado Springs = $4.13M
- Denver = $4.31M
- Fort Collins = $4.23M
- Greeley = $4.09M
- Highlands Ranch = $4.42M
- Lakewood = $4.29M
- Loveland = $4.16M
- Pueblo = $3.96M
- Thornton = $4.21M
- Westminster = $4.22M
- Windsor = $4.24M
Month First Achieved Financial Independence
- Arvada = 63.00 Years (756 Months)
- Aurora = 59.25 Years (711 Months)
- Boulder = 76.67 Years (920 Months)
- Centennial = 64.75 Years (777 Months)
- Colorado Springs = 57.00 Years (684 Months)
- Denver = 63.00 Years (756 Months)
- Fort Collins = 61.25 Years (735 Months)
- Greeley = 54.50 Years (654 Months)
- Highlands Ranch = 67.92 Years (815 Months)
- Lakewood = 63.08 Years (757 Months)
- Loveland = 56.92 Years (683 Months)
- Pueblo = 48.58 Years (583 Months)
- Thornton = 61.42 Years (737 Months)
- Westminster = 61.33 Years (736 Months)
- Windsor = 61.17 Years (734 Months)
Pay off mortgages early when Nomading™ with any excess cash.
Do the traditional Nomad™ strategy except you pay off the lowest balance mortgage early with any excess cash.
Net Worth at 40 Years
- Arvada = $5.35M
- Aurora = $7.88M
- Boulder = $4.55M
- Centennial = $5.77M
- Colorado Springs = $7.82M
- Denver = $8.15M
- Fort Collins = $5.75M
- Greeley = $6.45M
- Highlands Ranch = $4.40M
- Lakewood = $5.53M
- Loveland = $6.06M
- Pueblo = $7.85M
- Thornton = $5.82M
- Westminster = $6.26M
- Windsor = $5.68M
Month First Achieved Financial Independence
- Arvada = 64.58 Years (775 Months)
- Aurora = 46.83 Years (562 Months)
- Boulder = 95.92 Years (1151 Months)
- Centennial = 62.67 Years (752 Months)
- Colorado Springs = 45.42 Years (545 Months)
- Denver = 50.58 Years (607 Months)
- Fort Collins = 58.42 Years (701 Months)
- Greeley = 48.92 Years (587 Months)
- Highlands Ranch = 78.17 Years (938 Months)
- Lakewood = 62.58 Years (751 Months)
- Loveland = 53.42 Years (641 Months)
- Pueblo = 35.58 Years (427 Months)
- Thornton = 57.58 Years (691 Months)
- Westminster = 56.08 Years (673 Months)
- Windsor = 59.33 Years (712 Months)
25% Down Payment Non-Owner-Occupant as Renter
Buy up to 10 non-owner-occupant properties with 25% down payments, but never buy an owner-occupant property. Remain a renter instead.
Net Worth at 40 Years
- Arvada = $5.04M
- Aurora = $6.71M
- Boulder = $4.43M
- Centennial = $5.19M
- Colorado Springs = $6.88M
- Denver = $6.87M
- Fort Collins = $5.30M
- Greeley = $6.06M
- Highlands Ranch = $4.35M
- Lakewood = $5.09M
- Loveland = $5.76M
- Pueblo = $8.20M
- Thornton = $5.30M
- Westminster = $5.66M
- Windsor = $5.38M
Month First Achieved Financial Independence
- Arvada = 70.17 Years (842 Months)
- Aurora = 53.58 Years (643 Months)
- Boulder = 0.00 Years (0 Months)
- Centennial = 70.58 Years (847 Months)
- Colorado Springs = 50.83 Years (610 Months)
- Denver = 56.58 Years (679 Months)
- Fort Collins = 64.92 Years (779 Months)
- Greeley = 52.58 Years (631 Months)
- Highlands Ranch = 83.75 Years (1005 Months)
- Lakewood = 69.42 Years (833 Months)
- Loveland = 57.42 Years (689 Months)
- Pueblo = 39.67 Years (476 Months)
- Thornton = 64.58 Years (775 Months)
- Westminster = 61.58 Years (739 Months)
- Windsor = 64.58 Years (775 Months)
Pay off mortgages in full early when Nomading™.
Do the traditional Nomad™ strategy except you pay off the lowest balance mortgage early but only when you can pay off the entire balance in full.
Net Worth at 40 Years
- Arvada = $5.37M
- Aurora = $7.90M
- Boulder = $4.55M
- Centennial = $5.79M
- Colorado Springs = $7.85M
- Denver = $8.18M
- Fort Collins = $5.77M
- Greeley = $6.48M
- Highlands Ranch = $4.41M
- Lakewood = $5.55M
- Loveland = $6.09M
- Pueblo = $7.78M
- Thornton = $5.90M
- Westminster = $6.27M
- Windsor = $5.71M
Month First Achieved Financial Independence
- Arvada = 63.67 Years (764 Months)
- Aurora = 46.75 Years (561 Months)
- Boulder = 94.58 Years (1135 Months)
- Centennial = 62.50 Years (750 Months)
- Colorado Springs = 45.08 Years (541 Months)
- Denver = 50.17 Years (602 Months)
- Fort Collins = 58.33 Years (700 Months)
- Greeley = 47.58 Years (571 Months)
- Highlands Ranch = 78.00 Years (936 Months)
- Lakewood = 61.92 Years (743 Months)
- Loveland = 52.58 Years (631 Months)
- Pueblo = 35.83 Years (430 Months)
- Thornton = 57.00 Years (684 Months)
- Westminster = 56.00 Years (672 Months)
- Windsor = 59.08 Years (709 Months)
20% Down Payment Non-Owner-Occupant as Renter
Buy up to 10 non-owner-occupant properties with 20% down payments, but never buy an owner-occupant property. Remain a renter instead.
Net Worth at 40 Years
- Arvada = $4.75M
- Aurora = $6.64M
- Boulder = $4.19M
- Centennial = $5.12M
- Colorado Springs = $6.76M
- Denver = $6.56M
- Fort Collins = $5.08M
- Greeley = $5.70M
- Highlands Ranch = $4.20M
- Lakewood = $4.84M
- Loveland = $5.48M
- Pueblo = $7.88M
- Thornton = $5.11M
- Westminster = $5.42M
- Windsor = $5.14M
Month First Achieved Financial Independence
- Arvada = 73.58 Years (883 Months)
- Aurora = 54.58 Years (655 Months)
- Boulder = 0.00 Years (0 Months)
- Centennial = 71.58 Years (859 Months)
- Colorado Springs = 51.92 Years (623 Months)
- Denver = 58.92 Years (707 Months)
- Fort Collins = 66.58 Years (799 Months)
- Greeley = 55.58 Years (667 Months)
- Highlands Ranch = 86.75 Years (1041 Months)
- Lakewood = 71.58 Years (859 Months)
- Loveland = 60.58 Years (727 Months)
- Pueblo = 40.67 Years (488 Months)
- Thornton = 65.58 Years (787 Months)
- Westminster = 64.58 Years (775 Months)
- Windsor = 67.58 Years (811 Months)
More Model Comparisons for Colorado
The following are the various scenarios we ran summarized with Colorado cities highlighted.
- Is it better to put 20% down or 25% down when buying rentals? - First, we buy an owner-occupant property with 5% down then we start buying rental properties. Should we put 20% down for buying the rentals or 25% down. See how putting 20% down or 25% down does as we model it across the US in over 300 cities.
- Is it better to put 20% down or 25% down when buying rentals when you don't buy an owner-occupant property first? - We start buying rental properties immediately... even before we buy an owner-occupant property. Should we put 20% down for buying the rentals or 25% down. See how putting 20% down or 25% down does as we model it across the US in over 300 cities.
- Is it better to put 20% down and buy rental properties or Nomad™ with 5% down to acquire 10 rentals? - Will you be able to be financially independent faster and with less risk if you buy just an owner-occupant property with 5% down then buy up to 9 more rentals by saving up 20% down payment for each one, or is it better to acquire 10 properties by putting 5% down for each one using the Nomad™ strategy.
- When Nomading™ should you consider selling ALL your rentals if it means you'd be able to invest in stocks, bonds or something else and live off these investments using a Safe Withdrawal Rate instead of the cash flow from rentals? - You could acquire a portfolio of rentals utilizing the Nomad™ real estate investing strategy and wait for the cash flow to be great enough for you to be able to achieve financial independence from the cash flow. But, what about the equity in your properties? Would it be better for you to sell off all the rentals and take the net proceeds after all the expenses and invest that in something else. Then, live off these other investments using a Safe Withdrawal Rate?
- Is it better to put 25% down and buy rental properties or Nomad™ with 5% down to acquire 10 rentals? - Will you be able to be financially independent faster and with less risk if you buy just an owner-occupant property with 5% down then buy up to 9 more rentals by saving up 25% down payment for each one, or is it better to acquire 10 properties by putting 5% down for each one using the Nomad™ strategy. 25% down has a slighter better interest rate than 20% down.
- Is it better to buy 20% down rentals or invest in stocks? - See how buying 20% down rentals does compared to buying no real estate and only investing in stocks as we model it across the US in over 300 cities.
- Is it better to buy 25% down rentals or invest in stocks? - See how buying 25% down rentals does compared to buying no real estate and only investing in stocks as we model it across the US in over 300 cities.
- Is it better to use the Nomad™ strategy to acquire rental properties or invest in stocks? - See how buying properties as an owner-occupant with 5% down then converting them to rentals after living there for at least a year does compared to buying no real estate and only investing in stocks as we model it across the US in over 300 cities.
- Is it better to use the Nomad™ strategy to acquire rental properties or buy a single owner-occupant with 5% down then buy up to 9 rentals all cash? - See how buying properties as an owner-occupant with 5% down then converting them to rentals after living there for at least a year does compared to buying just one owner-occupant with 5% down then buying up to 9 rentals all cash as we model it across the US in over 300 cities.
- Is it better to use the Nomad™ strategy to acquire rental properties or buy up to 10 rentals all cash? - See how buying properties as an owner-occupant with 5% down then converting them to rentals after living there for at least a year does compared to buying up to 10 rentals all cash as we model it across the US in over 300 cities.
- Is it better to buy rentals with 20% down or all cash after buying a single owner-occupant property with 5% down first? - See how buying rental properties with 20% down compares to buying rentals for all cash after, in both cases, buying a single owner-occupant property with 5% down first as we model it across the US in over 300 cities.
- Is it better to buy rentals with 25% down or all cash after buying a single owner-occupant property with 5% down first? - See how buying rental properties with 25% down compares to buying rentals for all cash after, in both cases, buying a single owner-occupant property with 5% down first as we model it across the US in over 300 cities.
- Is it better to pay off rentals when Nomading™ early with extra cash flow or only pay them off in full? - When you're Nomading™, should you pay off mortgages early? Specifically, is it better to take any excess cash and pay off rentals early with any excess cash you have or wait until you've saved up enough where you pay off the mortgage in full and keep the excess money in the stock market while you're waiting. See which is better as we model it across the US in over 300 cities.
- Is it better to pay off rentals early with extra cash flow or traditional Nomad™? - Is it better to pay off mortgages early? Should you do traditional Nomad™ or pay off your Nomad™ properties early with extra flow? See which is better as we model it across the US in over 300 cities.
- Is it better to pay off rentals in full early or traditional Nomad™? - Is it better to pay off mortgages early? Should you do traditional Nomad™ or pay off your Nomad™ properties in full early? You keep your money invested in the stock market until you have enough to pay off the lowest balance mortgage. See which is better as we model it across the US in over 300 cities.
- Is it better to pay off your owner-occupant mortgage when Nomading™? - Is it better to pay off your owner-occupant mortgage when Nomading™ if that means you're financially independent? Or, should you just do traditional Nomad™ without paying off your owner-occupant property early? See which is better as we model it across the US in over 300 cities.
- Is it better to buy an owner-occupant property for 5% down when otherwise buying 20% down payment rentals or keep renting instead? - When you're buying 20% down payment rentals, should you first buy an owner-occupant property for 5% down? Or, should you remain a renter yourself? See which is better as we model it across the US in over 300 cities.
- Is it better to buy an owner-occupant property for 5% down when otherwise buying 25% down payment rentals or keep renting instead? - When you're buying 25% down payment rentals, should you first buy an owner-occupant property for 5% down? Or, should you remain a renter yourself? See which is better as we model it across the US in over 300 cities.
- Is it better to buy a single owner-occupant with 5% down then buy up to 9 rentals all cash or with 20% down payments? - First, buy an owner-occupant property with 5% down and PMI. Then, let's see if it is better to put 20% down to acquire up to 9 more rentals or to save up to buy all properties all cash without any loan. Explore this comparison as we model it across the US in over 300 cities.
- Is it better to buy a single owner-occupant with 5% down then buy up to 9 rentals all cash or with 25% down payments? - First, buy an owner-occupant property with 5% down and PMI. Then, let's see if it is better to put 25% down to acquire up to 9 more rentals or to save up to buy all properties all cash without any loan. Explore this comparison as we model it across the US in over 300 cities.
- Is it better for Nomads™ to get a 5% discount when buying or get 5% better rents? - As a Nomad™, is it better to focus on finding a property you can buy at a 5% discount? Or, is it better to focus on finding a property where you can get 5% better rents? Explore this comparison as we model it across the US in over 300 cities.
- Is it better for Nomads™ to get a 10% discount when buying or get 10% better rents? - As a Nomad™, is it better to focus on finding a property you can buy at a 10% discount? Or, is it better to focus on finding a property where you can get 10% better rents? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ how much better is it to be able to buy at a 5% discount? - As a Nomad™, how much better is it to focus on finding a property you can buy at a 5% discount? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ how much better is it to be able to buy at a 10% discount? - As a Nomad™, how much better is it to focus on finding a property you can buy at a 10% discount? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ how much better is it to be able to buy a property that gets 5% better rents? - As a Nomad™, how much better is it to focus on finding a property you can buy with 5% better rent? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ how much better is it to be able to buy a property that gets 10% better rents? - As a Nomad™, how much better is it to focus on finding a property you can buy with 10% better rent? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ is it better to buy at a 5% discount or get .25% lower mortgage interest rate? - As a Nomad™, should you focus on buying properties for a 5% discount? Or, is it better to focus on being able to negotiate getting a .25% lower mortgage interest rate? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ is it better to buy at a 10% discount or get .5% lower mortgage interest rate? - As a Nomad™, should you focus on buying properties for a 10% discount? Or, is it better to focus on being able to negotiate getting a .5% lower mortgage interest rate? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ what difference would it make to earn 10% less income? - As a Nomad™ what is the impact of earning 10% less income? Explore this comparison as we model it across the US in over 300 cities.
- For Nomads™ what difference would it make to earn 10% more income? - As a Nomad™ what is the impact of earning 10% more income? Explore this comparison as we model it across the US in over 300 cities.
Specific Strategy Summaries for Colorado Cities
The following are the various scenarios we ran summarized with Colorado cities highlighted.
Check out how these reports summarizing how a particular strategy performed across all states:
- 5% Lower Rents While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are only able to get 5% lower rents.
- 5% Higher Rents While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are able to get 5% higher rents.
- 10% Property Price Premium While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except forced to buy properties at a 10% premium.
- .5 Worse Interest Rate While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .5 worse/higher mortgage interest rate.
- Nomad to Short-Term Rentals with 75% Higher Rents - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 75% higher rents but with doubled maintenance expenses as well.
- 10% Property Price Discount While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties at a 10% discount.
- Nomad to Short-Term Rentals with 50% Higher Rents - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 50% higher rents but with doubled maintenance expenses as well.
- 5% Property Price Premium While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except forced to buy properties at a 5% premium.
- 10% Less Job Income While Nomading™ - Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy but model it with the investor earning 10% less income than in the Baseline Nomad™ Scenario.
- .25 Better Interest Rate While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .25 better/lower mortgage interest rate.
- 10% Higher Rents While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are able to get 10% higher rents.
- Nomad to Short-Term Rentals with 25% Higher Rents - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you utilize a short-term rental strategy after moving out and are able to get 25% higher rents but with doubled maintenance expenses as well.
- 25% Down Payment Non-Owner-Occupant - Buy 1 owner-occupant property with 5% down then up to 9 non-owner-occupant properties with 25% down payments.
- 10% More Job Income While Nomading™ - Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy but model it with the investor earning 10% more income than in the Baseline Nomad™ Scenario.
- Nomad™ and Sell ALL Rentals if SWR Achieves FI - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except sell all the rental properties if by doing so you can invest the proceeds and achieve financial independence utilizing a Safe Withdrawal Rate of the money you have invested.
- Nomad™ Start with $0 - Do the traditional Nomad™ strategy except you start with $0 saved up.
- Baseline Nomad™ Scenario - Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
- 10% Property Manager While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except hire a professional property manager costing 10% of gross rents.
- 3% Property Price Discount While Nomading™ as Real Estate Agent - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except as a real estate agent you take your 3% commission as a discount off the purchase price.
- Nomad™ and Payoff OO if Achieves FI - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except payoff your owner-occupant property if by doing so that means you achieve financial independence.
- Buy Non-Owner-Occupant All Cash As Renter - Save up and buy up to 10 non-owner-occupant properties all cash (without any mortgage) while you remain a renter the entire time.
- Buy Non-Owner-Occupant All Cash - Buy 1 owner-occupant property with 5% down then save up and buy up to 9 non-owner-occupant properties all cash (without any mortgage).
- Nomad™ and Sell SOME Rentals to Payoff Others if FI - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except sell some rental properties if by doing so you can payoff the others and achieve financial independence primarily from free and clear cash flow.
- .25 Worse Interest Rate While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .25 worse/higher mortgage interest rate.
- 3% Commission While Nomading™ as Real Estate Agent - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except as a real estate agent you earn a 3% commission with each property you purchase.
- .5 Better Interest Rate While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties with a .5 better/lower mortgage interest rate.
- 5% Property Price Discount While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except able to buy properties at a 5% discount.
- 20% Down Payment Non-Owner-Occupant - Buy 1 owner-occupant property with 5% down then up to 9 non-owner-occupant properties with 20% down payments.
- 10% Lower Rents While Nomading™ - Buy up to 10 owner-occupant properties utilizing the Nomad™ real estate investing strategy like the Baseline Nomad™ Scenario except you are only able to get 10% lower rents.
- No Real Estate, Invest in Stocks - Save up and invest in stocks while you remain a renter the entire time. Do not buy any real estate... owner-occupant or investment.
- Pay off mortgages early when Nomading™ with any excess cash. - Do the traditional Nomad™ strategy except you pay off the lowest balance mortgage early with any excess cash.
- 25% Down Payment Non-Owner-Occupant as Renter - Buy up to 10 non-owner-occupant properties with 25% down payments, but never buy an owner-occupant property. Remain a renter instead.
- Pay off mortgages in full early when Nomading™. - Do the traditional Nomad™ strategy except you pay off the lowest balance mortgage early but only when you can pay off the entire balance in full.
- 20% Down Payment Non-Owner-Occupant as Renter - Buy up to 10 non-owner-occupant properties with 20% down payments, but never buy an owner-occupant property. Remain a renter instead.
Detailed Colorado City-Specific Modeling
Check out the detailed modeling for these Colorado cities.














