The Real Estate Financial Planner Blueprint™
03 1 5% Down Primary Then 9 20% Down Rental Properties

Achieved Financial Independence
First achieved in Month 492

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 $6,117.41 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 492.

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 West Valley City, Utah Nomad™ Property 1* $43,311 $0 $0 $0 $1,199 $44,510
Typical 20% Down Payment West Valley City, Utah Rental Property 1 $43,311 $74,751 $0 $0 $1,997 $120,059
Typical 20% Down Payment West Valley City, Utah Rental Property 2 $43,311 $31,732 $30,975 $4,339 $5,597 $115,954
Typical 20% Down Payment West Valley City, Utah Rental Property 3 $43,311 $26,311 $26,194 $4,907 $6,071 $106,795
Typical 20% Down Payment West Valley City, Utah Rental Property 4 $43,311 $19,269 $22,906 $5,415 $6,475 $97,377
Typical 20% Down Payment West Valley City, Utah Rental Property 5 $43,311 $13,940 $20,438 $5,888 $6,861 $90,440
Typical 20% Down Payment West Valley City, Utah Rental Property 6 $43,311 $10,550 $18,544 $6,324 $7,232 $85,961
Typical 20% Down Payment West Valley City, Utah Rental Property 7 $43,311 $6,625 $17,053 $6,726 $7,565 $81,281
Typical 20% Down Payment West Valley City, Utah Rental Property 8 $43,311 $2,310 $15,840 $7,101 $7,871 $76,433
Typical 20% Down Payment West Valley City, Utah Rental Property 9 $43,311 $297 $14,963 $7,404 $8,132 $74,107
Totals: $433,115 $185,785 $166,914 $48,105 $58,999 $892,917
* Denotes a property that had no rent for at least part of the period covered.

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 20% Down Payment West Valley City, Utah Rental Property 1 2.91% 5.02% — — 0.13% 8.07%
Typical 20% Down Payment West Valley City, Utah Rental Property 2 3.24% 2.37% 2.31% 0.32% 0.42% 8.66%
Typical 20% Down Payment West Valley City, Utah Rental Property 3 3.63% 2.21% 2.20% 0.41% 0.51% 8.96%
Typical 20% Down Payment West Valley City, Utah Rental Property 4 4.03% 1.79% 2.13% 0.50% 0.60% 9.06%
Typical 20% Down Payment West Valley City, Utah Rental Property 5 4.45% 1.43% 2.10% 0.60% 0.70% 9.28%
Typical 20% Down Payment West Valley City, Utah Rental Property 6 4.88% 1.19% 2.09% 0.71% 0.82% 9.69%
Typical 20% Down Payment West Valley City, Utah Rental Property 7 5.34% 0.82% 2.10% 0.83% 0.93% 10.03%
Typical 20% Down Payment West Valley City, Utah Rental Property 8 5.84% 0.31% 2.14% 0.96% 1.06% 10.30%
Typical 20% Down Payment West Valley City, Utah Rental Property 9 6.30% 0.04% 2.18% 1.08% 1.18% 10.78%
Totals: 4.24% 2.02% 1.82% 0.52% 0.63% 9.23%

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 $9,000 and a Ideal Target Monthly Income in Retirement™ of $14,000 at the time of achieving your  Goal of financial independence, let's look at the Phases of Financial Independence™.

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