
Oregon Real Estate Models
Check out how Oregon 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
- Beaverton = $5.80M
- Bend = $5.63M
- Eugene = $6.29M
- Gresham = $3.81M
- Hillsboro = $6.11M
- Portland = $10.78M
- Salem = $8.42M
Month First Achieved Financial Independence
- Beaverton = 59.67 Years (716 Months)
- Bend = 69.25 Years (831 Months)
- Eugene = 53.00 Years (636 Months)
- Gresham = 69.00 Years (828 Months)
- Hillsboro = 61.00 Years (732 Months)
- Portland = 46.75 Years (561 Months)
- Salem = 45.58 Years (547 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
- Beaverton = $7.58M
- Bend = $7.52M
- Eugene = $8.47M
- Gresham = $4.68M
- Hillsboro = $8.36M
- Portland = $16.33M
- Salem = $12.42M
Month First Achieved Financial Independence
- Beaverton = 52.50 Years (630 Months)
- Bend = 58.00 Years (696 Months)
- Eugene = 46.00 Years (552 Months)
- Gresham = 62.42 Years (749 Months)
- Hillsboro = 50.67 Years (608 Months)
- Portland = 38.33 Years (460 Months)
- Salem = 38.08 Years (457 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
- Beaverton = $4.83M
- Bend = $4.50M
- Eugene = $5.26M
- Gresham = $3.42M
- Hillsboro = $4.81M
- Portland = $8.02M
- Salem = $6.82M
Month First Achieved Financial Independence
- Beaverton = 60.83 Years (730 Months)
- Bend = 68.17 Years (818 Months)
- Eugene = 53.00 Years (636 Months)
- Gresham = 67.33 Years (808 Months)
- Hillsboro = 61.17 Years (734 Months)
- Portland = 51.00 Years (612 Months)
- Salem = 48.00 Years (576 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
- Beaverton = $38.16M
- Bend = $40.04M
- Eugene = $37.03M
- Gresham = $21.00M
- Hillsboro = $36.39M
- Portland = $51.86M
- Salem = $38.46M
Month First Achieved Financial Independence
- Beaverton = 19.00 Years (228 Months)
- Bend = 24.00 Years (288 Months)
- Eugene = 16.00 Years (192 Months)
- Gresham = 30.00 Years (360 Months)
- Hillsboro = 19.17 Years (230 Months)
- Portland = 14.00 Years (168 Months)
- Salem = 13.33 Years (160 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
- Beaverton = $4.83M
- Bend = $4.50M
- Eugene = $5.26M
- Gresham = $3.42M
- Hillsboro = $4.81M
- Portland = $8.02M
- Salem = $6.82M
Month First Achieved Financial Independence
- Beaverton = 60.83 Years (730 Months)
- Bend = 68.17 Years (818 Months)
- Eugene = 53.00 Years (636 Months)
- Gresham = 67.33 Years (808 Months)
- Hillsboro = 61.17 Years (734 Months)
- Portland = 51.00 Years (612 Months)
- Salem = 48.00 Years (576 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
- Beaverton = $25.63M
- Bend = $25.19M
- Eugene = $26.33M
- Gresham = $11.31M
- Hillsboro = $25.26M
- Portland = $39.44M
- Salem = $29.30M
Month First Achieved Financial Independence
- Beaverton = 29.00 Years (348 Months)
- Bend = 35.83 Years (430 Months)
- Eugene = 23.42 Years (281 Months)
- Gresham = 42.83 Years (514 Months)
- Hillsboro = 29.00 Years (348 Months)
- Portland = 19.17 Years (230 Months)
- Salem = 19.00 Years (228 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
- Beaverton = $11.01M
- Bend = $11.84M
- Eugene = $11.05M
- Gresham = $6.80M
- Hillsboro = $11.48M
- Portland = $20.22M
- Salem = $14.61M
Month First Achieved Financial Independence
- Beaverton = 47.08 Years (565 Months)
- Bend = 51.75 Years (621 Months)
- Eugene = 44.00 Years (528 Months)
- Gresham = 56.92 Years (683 Months)
- Hillsboro = 47.08 Years (565 Months)
- Portland = 36.08 Years (433 Months)
- Salem = 38.00 Years (456 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
- Beaverton = $7.05M
- Bend = $6.65M
- Eugene = $8.17M
- Gresham = $4.38M
- Hillsboro = $7.15M
- Portland = $12.89M
- Salem = $10.83M
Month First Achieved Financial Independence
- Beaverton = 55.00 Years (660 Months)
- Bend = 61.33 Years (736 Months)
- Eugene = 46.92 Years (563 Months)
- Gresham = 67.25 Years (807 Months)
- Hillsboro = 54.00 Years (648 Months)
- Portland = 41.00 Years (492 Months)
- Salem = 40.00 Years (480 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
- Beaverton = $5.57M
- Bend = $5.44M
- Eugene = $6.02M
- Gresham = $3.67M
- Hillsboro = $5.88M
- Portland = $9.94M
- Salem = $7.90M
Month First Achieved Financial Independence
- Beaverton = 59.58 Years (715 Months)
- Bend = 66.00 Years (792 Months)
- Eugene = 52.00 Years (624 Months)
- Gresham = 65.42 Years (785 Months)
- Hillsboro = 58.83 Years (706 Months)
- Portland = 47.17 Years (566 Months)
- Salem = 47.33 Years (568 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
- Beaverton = $10.64M
- Bend = $10.54M
- Eugene = $11.89M
- Gresham = $5.97M
- Hillsboro = $11.49M
- Portland = $21.90M
- Salem = $16.26M
Month First Achieved Financial Independence
- Beaverton = 48.08 Years (577 Months)
- Bend = 55.00 Years (660 Months)
- Eugene = 42.42 Years (509 Months)
- Gresham = 60.00 Years (720 Months)
- Hillsboro = 46.83 Years (562 Months)
- Portland = 34.83 Years (418 Months)
- Salem = 34.17 Years (410 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
- Beaverton = $1.78M
- Bend = $276.41K
- Eugene = $3.05M
- Gresham = $1.70M
- Hillsboro = $1.74M
- Portland = $1.89M
- Salem = $4.36M
Month First Achieved Financial Independence
- Beaverton = 79.00 Years (948 Months)
- Bend = 0.00 Years (0 Months)
- Eugene = 62.67 Years (752 Months)
- Gresham = 83.00 Years (996 Months)
- Hillsboro = 80.00 Years (960 Months)
- Portland = 69.00 Years (828 Months)
- Salem = 54.00 Years (648 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
- Beaverton = $6.71M
- Bend = $6.57M
- Eugene = $7.20M
- Gresham = $4.20M
- Hillsboro = $7.11M
- Portland = $12.98M
- Salem = $10.16M
Month First Achieved Financial Independence
- Beaverton = 52.67 Years (632 Months)
- Bend = 59.00 Years (708 Months)
- Eugene = 47.00 Years (564 Months)
- Gresham = 60.92 Years (731 Months)
- Hillsboro = 51.83 Years (622 Months)
- Portland = 42.00 Years (504 Months)
- Salem = 41.17 Years (494 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
- Beaverton = $7.31M
- Bend = $7.09M
- Eugene = $7.85M
- Gresham = $4.47M
- Hillsboro = $7.62M
- Portland = $15.00M
- Salem = $11.51M
Month First Achieved Financial Independence
- Beaverton = 53.83 Years (646 Months)
- Bend = 62.08 Years (745 Months)
- Eugene = 48.50 Years (582 Months)
- Gresham = 63.00 Years (756 Months)
- Hillsboro = 54.00 Years (648 Months)
- Portland = 40.17 Years (482 Months)
- Salem = 41.00 Years (492 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
- Beaverton = $8.94M
- Bend = $8.79M
- Eugene = $9.86M
- Gresham = $5.11M
- Hillsboro = $9.64M
- Portland = $19.30M
- Salem = $14.44M
Month First Achieved Financial Independence
- Beaverton = 49.00 Years (588 Months)
- Bend = 54.00 Years (648 Months)
- Eugene = 42.17 Years (506 Months)
- Gresham = 59.17 Years (710 Months)
- Hillsboro = 48.00 Years (576 Months)
- Portland = 35.00 Years (420 Months)
- Salem = 35.42 Years (425 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
- Beaverton = $12.64M
- Bend = $11.94M
- Eugene = $13.53M
- Gresham = $6.22M
- Hillsboro = $13.26M
- Portland = $25.13M
- Salem = $18.78M
Month First Achieved Financial Independence
- Beaverton = 44.00 Years (528 Months)
- Bend = 49.00 Years (588 Months)
- Eugene = 38.08 Years (457 Months)
- Gresham = 57.50 Years (690 Months)
- Hillsboro = 42.92 Years (515 Months)
- Portland = 31.00 Years (372 Months)
- Salem = 31.17 Years (374 Months)
Baseline Nomad™ Scenario
Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
Net Worth at 40 Years
- Beaverton = $6.71M
- Bend = $6.57M
- Eugene = $7.20M
- Gresham = $4.20M
- Hillsboro = $7.11M
- Portland = $12.98M
- Salem = $10.16M
Month First Achieved Financial Independence
- Beaverton = 56.25 Years (675 Months)
- Bend = 63.08 Years (757 Months)
- Eugene = 49.25 Years (591 Months)
- Gresham = 64.33 Years (772 Months)
- Hillsboro = 55.25 Years (663 Months)
- Portland = 43.08 Years (517 Months)
- Salem = 43.00 Years (516 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
- Beaverton = $5.91M
- Bend = $5.85M
- Eugene = $6.27M
- Gresham = $3.92M
- Hillsboro = $6.01M
- Portland = $9.93M
- Salem = $7.95M
Month First Achieved Financial Independence
- Beaverton = 61.17 Years (734 Months)
- Bend = 69.00 Years (828 Months)
- Eugene = 55.33 Years (664 Months)
- Gresham = 70.83 Years (850 Months)
- Hillsboro = 63.00 Years (756 Months)
- Portland = 50.17 Years (602 Months)
- Salem = 50.00 Years (600 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
- Beaverton = $7.51M
- Bend = $7.48M
- Eugene = $8.27M
- Gresham = $4.58M
- Hillsboro = $8.12M
- Portland = $15.56M
- Salem = $12.05M
Month First Achieved Financial Independence
- Beaverton = 53.42 Years (641 Months)
- Bend = 61.00 Years (732 Months)
- Eugene = 47.42 Years (569 Months)
- Gresham = 62.50 Years (750 Months)
- Hillsboro = 54.00 Years (648 Months)
- Portland = 40.00 Years (480 Months)
- Salem = 40.00 Years (480 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
- Beaverton = $6.71M
- Bend = $6.57M
- Eugene = $7.13M
- Gresham = $4.20M
- Hillsboro = $7.11M
- Portland = $12.84M
- Salem = $9.99M
Month First Achieved Financial Independence
- Beaverton = 41.42 Years (497 Months)
- Bend = 0.00 Years (0 Months)
- Eugene = 39.58 Years (475 Months)
- Gresham = 0.00 Years (0 Months)
- Hillsboro = 44.00 Years (528 Months)
- Portland = 39.17 Years (470 Months)
- Salem = 38.75 Years (465 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
- Beaverton = $4.67M
- Bend = $4.66M
- Eugene = $4.85M
- Gresham = $4.17M
- Hillsboro = $4.65M
- Portland = $5.15M
- Salem = $5.17M
Month First Achieved Financial Independence
- Beaverton = 55.00 Years (660 Months)
- Bend = 61.33 Years (736 Months)
- Eugene = 48.00 Years (576 Months)
- Gresham = 60.00 Years (720 Months)
- Hillsboro = 54.83 Years (658 Months)
- Portland = 49.67 Years (596 Months)
- Salem = 45.00 Years (540 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
- Beaverton = $6.14M
- Bend = $6.08M
- Eugene = $6.54M
- Gresham = $4.38M
- Hillsboro = $6.13M
- Portland = $8.47M
- Salem = $7.13M
Month First Achieved Financial Independence
- Beaverton = 46.42 Years (557 Months)
- Bend = 52.00 Years (624 Months)
- Eugene = 40.25 Years (483 Months)
- Gresham = 53.67 Years (644 Months)
- Hillsboro = 46.00 Years (552 Months)
- Portland = 38.75 Years (465 Months)
- Salem = 37.58 Years (451 Months)
Nomad™ Start with $0
Do the traditional Nomad™ strategy except you start with $0 saved up.
Net Worth at 40 Years
- Beaverton = $5.70M
- Bend = $5.34M
- Eugene = $6.28M
- Gresham = $3.75M
- Hillsboro = $6.10M
- Portland = $10.67M
- Salem = $8.94M
Month First Achieved Financial Independence
- Beaverton = 59.33 Years (712 Months)
- Bend = 67.00 Years (804 Months)
- Eugene = 51.92 Years (623 Months)
- Gresham = 66.83 Years (802 Months)
- Hillsboro = 58.00 Years (696 Months)
- Portland = 46.08 Years (553 Months)
- Salem = 45.00 Years (540 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
- Beaverton = $8.32M
- Bend = $8.17M
- Eugene = $9.12M
- Gresham = $4.88M
- Hillsboro = $8.84M
- Portland = $17.11M
- Salem = $12.97M
Month First Achieved Financial Independence
- Beaverton = 51.08 Years (613 Months)
- Bend = 59.33 Years (712 Months)
- Eugene = 47.00 Years (564 Months)
- Gresham = 63.25 Years (759 Months)
- Hillsboro = 52.00 Years (624 Months)
- Portland = 38.00 Years (456 Months)
- Salem = 38.00 Years (456 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
- Beaverton = $7.99M
- Bend = $7.74M
- Eugene = $8.82M
- Gresham = $4.71M
- Hillsboro = $8.52M
- Portland = $16.58M
- Salem = $12.67M
Month First Achieved Financial Independence
- Beaverton = 51.75 Years (621 Months)
- Bend = 60.00 Years (720 Months)
- Eugene = 46.00 Years (552 Months)
- Gresham = 63.92 Years (767 Months)
- Hillsboro = 52.00 Years (624 Months)
- Portland = 38.25 Years (459 Months)
- Salem = 38.42 Years (461 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
- Beaverton = $7.19M
- Bend = $7.17M
- Eugene = $7.68M
- Gresham = $4.52M
- Hillsboro = $7.86M
- Portland = $13.96M
- Salem = $10.88M
Month First Achieved Financial Independence
- Beaverton = 55.00 Years (660 Months)
- Bend = 59.58 Years (715 Months)
- Eugene = 48.00 Years (576 Months)
- Gresham = 63.00 Years (756 Months)
- Hillsboro = 52.00 Years (624 Months)
- Portland = 42.00 Years (504 Months)
- Salem = 42.00 Years (504 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
- Beaverton = $6.74M
- Bend = $6.52M
- Eugene = $7.44M
- Gresham = $4.14M
- Hillsboro = $7.11M
- Portland = $11.35M
- Salem = $9.25M
Month First Achieved Financial Independence
- Beaverton = 48.83 Years (586 Months)
- Bend = 55.42 Years (665 Months)
- Eugene = 42.92 Years (515 Months)
- Gresham = 64.42 Years (773 Months)
- Hillsboro = 47.08 Years (565 Months)
- Portland = 35.42 Years (425 Months)
- Salem = 35.92 Years (431 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
- Beaverton = $6.92M
- Bend = $6.54M
- Eugene = $8.10M
- Gresham = $4.24M
- Hillsboro = $7.01M
- Portland = $13.27M
- Salem = $10.81M
Month First Achieved Financial Independence
- Beaverton = 55.00 Years (660 Months)
- Bend = 63.00 Years (756 Months)
- Eugene = 48.00 Years (576 Months)
- Gresham = 70.00 Years (840 Months)
- Hillsboro = 54.00 Years (648 Months)
- Portland = 41.92 Years (503 Months)
- Salem = 40.42 Years (485 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
- Beaverton = $6.20M
- Bend = $6.07M
- Eugene = $6.62M
- Gresham = $4.01M
- Hillsboro = $6.53M
- Portland = $11.75M
- Salem = $9.20M
Month First Achieved Financial Independence
- Beaverton = 58.42 Years (701 Months)
- Bend = 63.50 Years (762 Months)
- Eugene = 51.00 Years (612 Months)
- Gresham = 66.00 Years (792 Months)
- Hillsboro = 56.33 Years (676 Months)
- Portland = 45.08 Years (541 Months)
- Salem = 44.25 Years (531 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
- Beaverton = $5.04M
- Bend = $4.95M
- Eugene = $5.49M
- Gresham = $3.40M
- Hillsboro = $5.20M
- Portland = $8.74M
- Salem = $7.01M
Month First Achieved Financial Independence
- Beaverton = 65.00 Years (780 Months)
- Bend = 73.00 Years (876 Months)
- Eugene = 56.58 Years (679 Months)
- Gresham = 74.00 Years (888 Months)
- Hillsboro = 65.17 Years (782 Months)
- Portland = 51.00 Years (612 Months)
- Salem = 51.00 Years (612 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
- Beaverton = $4.22M
- Bend = $4.39M
- Eugene = $4.12M
- Gresham = $4.12M
- Hillsboro = $4.19M
- Portland = $4.24M
- Salem = $4.07M
Month First Achieved Financial Independence
- Beaverton = 61.33 Years (736 Months)
- Bend = 66.33 Years (796 Months)
- Eugene = 57.08 Years (685 Months)
- Gresham = 57.08 Years (685 Months)
- Hillsboro = 61.50 Years (738 Months)
- Portland = 63.33 Years (760 Months)
- Salem = 57.33 Years (688 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
- Beaverton = $6.40M
- Bend = $6.27M
- Eugene = $7.24M
- Gresham = $4.16M
- Hillsboro = $6.54M
- Portland = $11.03M
- Salem = $9.30M
Month First Achieved Financial Independence
- Beaverton = 49.00 Years (588 Months)
- Bend = 54.83 Years (658 Months)
- Eugene = 42.75 Years (513 Months)
- Gresham = 61.00 Years (732 Months)
- Hillsboro = 48.42 Years (581 Months)
- Portland = 39.00 Years (468 Months)
- Salem = 38.33 Years (460 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
- Beaverton = $6.78M
- Bend = $6.57M
- Eugene = $7.53M
- Gresham = $4.15M
- Hillsboro = $7.15M
- Portland = $13.28M
- Salem = $10.60M
Month First Achieved Financial Independence
- Beaverton = 53.00 Years (636 Months)
- Bend = 60.50 Years (726 Months)
- Eugene = 46.00 Years (552 Months)
- Gresham = 65.92 Years (791 Months)
- Hillsboro = 51.58 Years (619 Months)
- Portland = 38.50 Years (462 Months)
- Salem = 38.00 Years (456 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
- Beaverton = $6.01M
- Bend = $5.65M
- Eugene = $6.97M
- Gresham = $4.17M
- Hillsboro = $6.02M
- Portland = $9.76M
- Salem = $8.97M
Month First Achieved Financial Independence
- Beaverton = 59.00 Years (708 Months)
- Bend = 67.00 Years (804 Months)
- Eugene = 51.00 Years (612 Months)
- Gresham = 72.33 Years (868 Months)
- Hillsboro = 58.00 Years (696 Months)
- Portland = 46.00 Years (552 Months)
- Salem = 44.00 Years (528 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
- Beaverton = $5.57M
- Bend = $5.59M
- Eugene = $6.49M
- Gresham = $3.96M
- Hillsboro = $6.04M
- Portland = $9.90M
- Salem = $8.64M
Month First Achieved Financial Independence
- Beaverton = 63.00 Years (756 Months)
- Bend = 70.00 Years (840 Months)
- Eugene = 53.00 Years (636 Months)
- Gresham = 73.50 Years (882 Months)
- Hillsboro = 59.92 Years (719 Months)
- Portland = 46.75 Years (561 Months)
- Salem = 45.00 Years (540 Months)
More Model Comparisons for Oregon
The following are the various scenarios we ran summarized with Oregon 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.
Specific Strategy Summaries for Oregon Cities
The following are the various scenarios we ran summarized with Oregon 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.
- 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.
- .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 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.
- 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.
- 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.
- 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% 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.
- 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.
- 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.
- .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.
- 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™ Start with $0 - Do the traditional Nomad™ strategy except you start with $0 saved up.
- 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.
- .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.
- 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.
- 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.
- 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.
- .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.
- 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.
- 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.
- 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.
- 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 Oregon City-Specific Modeling
Check out the detailed modeling for these Oregon cities.






