The Real Estate Financial Planner Blueprint™
33 10 25% Down Rental Properties (no Owner-Occupant)

Achieved Financial Independence
First achieved in Month 445

The following  Goal chart shows our progress toward achieving this goal of financial independence.

Financial independence is typically a combination of the Safe Withdrawl Rate for the  Scenario from the  Account and the cash flow from  Properties.

We typically think of hitting our Target Monthly Income in Retirement of $8,000 in today's inflation-adjusted dollars, let's look at the Total True Cash Flow and Account Balances in inflation-adjusted values.

The following chart shows the total of all Account Balances for the  Scenario.

The following charts show Total True Cash Flow™ all rental properties. Let's start with the sum.

Next, let's look at the Total True Cash Flow™ for each rental properties (graphically summed/stacked).

And, here's the Total True Cash Flow™ for each rental properties individually just for the month when we first achieve financial independence, Month 445.

Return in Dollars + Reserves

Here's the return in dollars + reserves for the  Properties owned.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% RID+R12™ Total
Typical 25% Down Payment St Petersburg, Florida Rental Property 1 $28,112 $54,561 $0 $0 $2,617 $85,290
Typical 25% Down Payment St Petersburg, Florida Rental Property 2 $28,112 $28,630 $19,033 $2,768 $4,708 $83,251
Typical 25% Down Payment St Petersburg, Florida Rental Property 3 $28,112 $25,351 $16,366 $3,115 $4,971 $77,914
Typical 25% Down Payment St Petersburg, Florida Rental Property 4 $28,112 $22,854 $14,522 $3,421 $5,205 $74,114
Typical 25% Down Payment St Petersburg, Florida Rental Property 5 $28,112 $19,323 $13,172 $3,692 $5,401 $69,701
Typical 25% Down Payment St Petersburg, Florida Rental Property 6 $28,112 $17,506 $12,099 $3,946 $5,598 $67,263
Typical 25% Down Payment St Petersburg, Florida Rental Property 7 $28,112 $15,045 $11,290 $4,166 $5,761 $64,375
Typical 25% Down Payment St Petersburg, Florida Rental Property 8 $28,112 $14,619 $10,602 $4,377 $5,933 $63,643
Typical 25% Down Payment St Petersburg, Florida Rental Property 9 $28,112 $11,574 $10,018 $4,575 $6,073 $60,352
Typical 25% Down Payment St Petersburg, Florida Rental Property 10 $28,112 $10,617 $9,526 $4,759 $6,219 $59,234
Totals: $281,123 $220,080 $116,627 $34,819 $52,486 $705,137

Return on Equity + Reserves

Here's the return on equity + reserves for the  Properties owned that have rent. We are specifically excluding owner-occupied property here.

Property Appreciation Cash Flow Debt Paydown Cash Flow from Deprec.™ +12 Mos Reserves @ 8% ROE+R12™ Total
Typical 25% Down Payment St Petersburg, Florida Rental Property 1 2.86% 5.55% — — 0.27% 8.68%
Typical 25% Down Payment St Petersburg, Florida Rental Property 2 3.11% 3.16% 2.10% 0.31% 0.52% 9.20%
Typical 25% Down Payment St Petersburg, Florida Rental Property 3 3.43% 3.09% 2% 0.38% 0.61% 9.50%
Typical 25% Down Payment St Petersburg, Florida Rental Property 4 3.73% 3.04% 1.93% 0.45% 0.69% 9.84%
Typical 25% Down Payment St Petersburg, Florida Rental Property 5 4.03% 2.77% 1.89% 0.53% 0.77% 10%
Typical 25% Down Payment St Petersburg, Florida Rental Property 6 4.34% 2.70% 1.87% 0.61% 0.86% 10.38%
Typical 25% Down Payment St Petersburg, Florida Rental Property 7 4.63% 2.48% 1.86% 0.69% 0.95% 10.60%
Typical 25% Down Payment St Petersburg, Florida Rental Property 8 4.93% 2.56% 1.86% 0.77% 1.04% 11.16%
Typical 25% Down Payment St Petersburg, Florida Rental Property 9 5.25% 2.16% 1.87% 0.85% 1.13% 11.27%
Typical 25% Down Payment St Petersburg, Florida Rental Property 10 5.58% 2.11% 1.89% 0.94% 1.23% 11.75%
Totals: 4% 3.13% 1.66% 0.50% 0.75% 10.04%

Asset Allocation

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

And how have they looked over time up to this month?

Phases of Financial Independence™

With a Minimum Target Monthly Income in Retirement™ of $8,000 and a Ideal Target Monthly Income in Retirement™ of $12,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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