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

Achieved Financial Independence
First achieved in Month 491

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 $7,000 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 491.

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 Lawrence, Kansas Rental Property 1 $25,299 $44,334 $0 $0 $3,024 $72,656
Typical 25% Down Payment Lawrence, Kansas Rental Property 2 $25,299 $43,970 $0 $0 $3,020 $72,290
Typical 25% Down Payment Lawrence, Kansas Rental Property 3 $25,299 $21,451 $17,731 $2,424 $4,854 $71,760
Typical 25% Down Payment Lawrence, Kansas Rental Property 4 $25,299 $19,936 $15,585 $2,682 $5,057 $68,559
Typical 25% Down Payment Lawrence, Kansas Rental Property 5 $25,299 $17,472 $13,961 $2,923 $5,238 $64,893
Typical 25% Down Payment Lawrence, Kansas Rental Property 6 $25,299 $14,261 $12,703 $3,148 $5,397 $60,808
Typical 25% Down Payment Lawrence, Kansas Rental Property 7 $25,299 $12,659 $11,706 $3,356 $5,558 $58,577
Typical 25% Down Payment Lawrence, Kansas Rental Property 8 $25,299 $10,631 $10,888 $3,551 $5,704 $56,073
Typical 25% Down Payment Lawrence, Kansas Rental Property 9 $25,299 $8,496 $10,128 $3,758 $5,858 $53,540
Typical 25% Down Payment Lawrence, Kansas Rental Property 10 $25,299 $6,335 $9,392 $3,987 $6,031 $51,045
Totals: $252,989 $199,544 $102,095 $25,830 $49,741 $630,199

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 Lawrence, Kansas Rental Property 1 2.83% 4.97% — — 0.34% 8.14%
Typical 25% Down Payment Lawrence, Kansas Rental Property 2 2.83% 4.93% — — 0.34% 8.10%
Typical 25% Down Payment Lawrence, Kansas Rental Property 3 3.01% 2.55% 2.11% 0.29% 0.58% 8.54%
Typical 25% Down Payment Lawrence, Kansas Rental Property 4 3.26% 2.57% 2.01% 0.35% 0.65% 8.84%
Typical 25% Down Payment Lawrence, Kansas Rental Property 5 3.52% 2.43% 1.94% 0.41% 0.73% 9.02%
Typical 25% Down Payment Lawrence, Kansas Rental Property 6 3.77% 2.12% 1.89% 0.47% 0.80% 9.06%
Typical 25% Down Payment Lawrence, Kansas Rental Property 7 4.02% 2.01% 1.86% 0.53% 0.88% 9.31%
Typical 25% Down Payment Lawrence, Kansas Rental Property 8 4.28% 1.80% 1.84% 0.60% 0.96% 9.48%
Typical 25% Down Payment Lawrence, Kansas Rental Property 9 4.57% 1.54% 1.83% 0.68% 1.06% 9.67%
Typical 25% Down Payment Lawrence, Kansas Rental Property 10 4.94% 1.24% 1.83% 0.78% 1.18% 9.96%
Totals: 3.57% 2.82% 1.44% 0.36% 0.70% 8.90%

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 $7,000 and a Ideal Target Monthly Income in Retirement™ of $11,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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