Model

Colorado Real Estate Models

Check out how Colorado does for these scenarios.

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 = $6.09M
Aurora = $9.16M
Boulder = $4.86M
Centennial = $6.68M
Colorado Springs = $9.12M
Denver = $9.44M
Fort Collins = $15.38M
Greeley = $7.16M
Highlands Ranch = $5.10M
Lakewood = $6.39M
Loveland = $6.84M
Pueblo = $8.79M
Thornton = $6.74M
Westminster = $7.32M
Windsor = $6.64M

Month First Achieved Financial Independence

Arvada = 60.50 Years (726 Months)
Aurora = 48.00 Years (576 Months)
Boulder = 91.00 Years (1092 Months)
Centennial = 60.75 Years (729 Months)
Colorado Springs = 46.00 Years (552 Months)
Denver = 50.00 Years (600 Months)
Fort Collins = 32.00 Years (384 Months)
Greeley = 47.00 Years (564 Months)
Highlands Ranch = 73.17 Years (878 Months)
Lakewood = 60.50 Years (726 Months)
Loveland = 51.00 Years (612 Months)
Pueblo = 37.00 Years (444 Months)
Thornton = 57.83 Years (694 Months)
Westminster = 53.92 Years (647 Months)
Windsor = 57.00 Years (684 Months)

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 = $4.86M
Aurora = $6.70M
Boulder = $4.40M
Centennial = $5.21M
Colorado Springs = $6.66M
Denver = $7.04M
Fort Collins = $11.29M
Greeley = $5.59M
Highlands Ranch = $4.04M
Lakewood = $4.93M
Loveland = $5.40M
Pueblo = $6.99M
Thornton = $5.22M
Westminster = $5.55M
Windsor = $5.16M

Month First Achieved Financial Independence

Arvada = 67.75 Years (813 Months)
Aurora = 54.00 Years (648 Months)
Boulder = 73.42 Years (881 Months)
Centennial = 69.00 Years (828 Months)
Colorado Springs = 52.00 Years (624 Months)
Denver = 57.25 Years (687 Months)
Fort Collins = 37.33 Years (448 Months)
Greeley = 55.00 Years (660 Months)
Highlands Ranch = 85.92 Years (1031 Months)
Lakewood = 69.00 Years (828 Months)
Loveland = 57.83 Years (694 Months)
Pueblo = 43.00 Years (516 Months)
Thornton = 64.58 Years (775 Months)
Westminster = 63.58 Years (763 Months)
Windsor = 64.42 Years (773 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 = $4.13M
Aurora = $5.29M
Boulder = $4.15M
Centennial = $4.13M
Colorado Springs = $5.34M
Denver = $5.53M
Fort Collins = $8.17M
Greeley = $4.69M
Highlands Ranch = $3.35M
Lakewood = $3.99M
Loveland = $4.51M
Pueblo = $5.57M
Thornton = $4.22M
Westminster = $4.50M
Windsor = $4.22M

Month First Achieved Financial Independence

Arvada = 70.42 Years (845 Months)
Aurora = 56.50 Years (678 Months)
Boulder = 72.33 Years (868 Months)
Centennial = 70.17 Years (842 Months)
Colorado Springs = 54.00 Years (648 Months)
Denver = 58.92 Years (707 Months)
Fort Collins = 41.42 Years (497 Months)
Greeley = 54.50 Years (654 Months)
Highlands Ranch = 86.00 Years (1032 Months)
Lakewood = 69.67 Years (836 Months)
Loveland = 59.00 Years (708 Months)
Pueblo = 44.00 Years (528 Months)
Thornton = 65.00 Years (780 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 65.50 Years (786 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 = $4.13M
Aurora = $5.29M
Boulder = $4.15M
Centennial = $4.13M
Colorado Springs = $5.34M
Denver = $5.53M
Fort Collins = $8.17M
Greeley = $4.69M
Highlands Ranch = $3.35M
Lakewood = $3.99M
Loveland = $4.51M
Pueblo = $5.57M
Thornton = $4.22M
Westminster = $4.50M
Windsor = $4.22M

Month First Achieved Financial Independence

Arvada = 70.42 Years (845 Months)
Aurora = 56.50 Years (678 Months)
Boulder = 72.33 Years (868 Months)
Centennial = 70.17 Years (842 Months)
Colorado Springs = 54.00 Years (648 Months)
Denver = 58.92 Years (707 Months)
Fort Collins = 41.42 Years (497 Months)
Greeley = 54.50 Years (654 Months)
Highlands Ranch = 86.00 Years (1032 Months)
Lakewood = 69.67 Years (836 Months)
Loveland = 59.00 Years (708 Months)
Pueblo = 44.00 Years (528 Months)
Thornton = 65.00 Years (780 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 65.50 Years (786 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 = $29.14M
Aurora = $34.50M
Boulder = $24.10M
Centennial = $32.18M
Colorado Springs = $32.99M
Denver = $40.53M
Fort Collins = $45.99M
Greeley = $27.56M
Highlands Ranch = $25.35M
Lakewood = $29.30M
Loveland = $29.16M
Pueblo = $26.47M
Thornton = $28.38M
Westminster = $30.40M
Windsor = $29.66M

Month First Achieved Financial Independence

Arvada = 27.00 Years (324 Months)
Aurora = 17.00 Years (204 Months)
Boulder = 43.58 Years (523 Months)
Centennial = 25.00 Years (300 Months)
Colorado Springs = 16.00 Years (192 Months)
Denver = 18.00 Years (216 Months)
Fort Collins = 10.58 Years (127 Months)
Greeley = 18.00 Years (216 Months)
Highlands Ranch = 36.00 Years (432 Months)
Lakewood = 26.00 Years (312 Months)
Loveland = 20.00 Years (240 Months)
Pueblo = 12.00 Years (144 Months)
Thornton = 24.00 Years (288 Months)
Westminster = 22.00 Years (264 Months)
Windsor = 24.00 Years (288 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 = $8.44M
Aurora = $13.32M
Boulder = $6.58M
Centennial = $9.26M
Colorado Springs = $13.19M
Denver = $14.11M
Fort Collins = $20.84M
Greeley = $10.10M
Highlands Ranch = $6.77M
Lakewood = $8.87M
Loveland = $9.73M
Pueblo = $11.71M
Thornton = $9.34M
Westminster = $10.04M
Windsor = $9.09M

Month First Achieved Financial Independence

Arvada = 57.00 Years (684 Months)
Aurora = 42.75 Years (513 Months)
Boulder = 86.00 Years (1032 Months)
Centennial = 57.92 Years (695 Months)
Colorado Springs = 41.00 Years (492 Months)
Denver = 45.00 Years (540 Months)
Fort Collins = 25.00 Years (300 Months)
Greeley = 44.00 Years (528 Months)
Highlands Ranch = 71.42 Years (857 Months)
Lakewood = 57.00 Years (684 Months)
Loveland = 46.92 Years (563 Months)
Pueblo = 32.50 Years (390 Months)
Thornton = 53.00 Years (636 Months)
Westminster = 51.00 Years (612 Months)
Windsor = 54.00 Years (648 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 = $17.75M
Aurora = $25.16M
Boulder = $12.37M
Centennial = $19.72M
Colorado Springs = $23.68M
Denver = $28.85M
Fort Collins = $35.58M
Greeley = $19.26M
Highlands Ranch = $14.02M
Lakewood = $18.57M
Loveland = $18.24M
Pueblo = $19.99M
Thornton = $19.81M
Westminster = $20.90M
Windsor = $18.52M

Month First Achieved Financial Independence

Arvada = 39.33 Years (472 Months)
Aurora = 26.00 Years (312 Months)
Boulder = 58.83 Years (706 Months)
Centennial = 38.00 Years (456 Months)
Colorado Springs = 24.17 Years (290 Months)
Denver = 27.00 Years (324 Months)
Fort Collins = 13.75 Years (165 Months)
Greeley = 28.00 Years (336 Months)
Highlands Ranch = 46.92 Years (563 Months)
Lakewood = 38.00 Years (456 Months)
Loveland = 32.00 Years (384 Months)
Pueblo = 18.00 Years (216 Months)
Thornton = 34.83 Years (418 Months)
Westminster = 33.42 Years (401 Months)
Windsor = 36.00 Years (432 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 = $4.56M
Aurora = $6.39M
Boulder = $4.41M
Centennial = $4.88M
Colorado Springs = $6.33M
Denver = $6.53M
Fort Collins = $10.19M
Greeley = $5.36M
Highlands Ranch = $3.72M
Lakewood = $4.69M
Loveland = $5.19M
Pueblo = $6.62M
Thornton = $4.86M
Westminster = $5.19M
Windsor = $4.93M

Month First Achieved Financial Independence

Arvada = 67.00 Years (804 Months)
Aurora = 54.08 Years (649 Months)
Boulder = 71.83 Years (862 Months)
Centennial = 67.00 Years (804 Months)
Colorado Springs = 52.00 Years (624 Months)
Denver = 56.00 Years (672 Months)
Fort Collins = 38.00 Years (456 Months)
Greeley = 53.00 Years (636 Months)
Highlands Ranch = 84.00 Years (1008 Months)
Lakewood = 66.00 Years (792 Months)
Loveland = 55.83 Years (670 Months)
Pueblo = 42.00 Years (504 Months)
Thornton = 64.00 Years (768 Months)
Westminster = 61.17 Years (734 Months)
Windsor = 64.00 Years (768 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 = $9.03M
Aurora = $14.41M
Boulder = $7.07M
Centennial = $9.92M
Colorado Springs = $13.75M
Denver = $15.47M
Fort Collins = $23.67M
Greeley = $11.09M
Highlands Ranch = $7.18M
Lakewood = $9.26M
Loveland = $10.27M
Pueblo = $13.17M
Thornton = $10.26M
Westminster = $11.14M
Windsor = $9.94M

Month First Achieved Financial Independence

Arvada = 54.00 Years (648 Months)
Aurora = 39.00 Years (468 Months)
Boulder = 79.75 Years (957 Months)
Centennial = 53.00 Years (636 Months)
Colorado Springs = 37.33 Years (448 Months)
Denver = 41.83 Years (502 Months)
Fort Collins = 22.00 Years (264 Months)
Greeley = 41.00 Years (492 Months)
Highlands Ranch = 66.00 Years (792 Months)
Lakewood = 53.50 Years (642 Months)
Loveland = 45.17 Years (542 Months)
Pueblo = 30.00 Years (360 Months)
Thornton = 48.00 Years (576 Months)
Westminster = 46.00 Years (552 Months)
Windsor = 49.00 Years (588 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 = $6.98M
Aurora = $10.84M
Boulder = $5.44M
Centennial = $7.67M
Colorado Springs = $10.85M
Denver = $10.95M
Fort Collins = $17.06M
Greeley = $8.29M
Highlands Ranch = $5.75M
Lakewood = $7.17M
Loveland = $7.65M
Pueblo = $10.38M
Thornton = $7.77M
Westminster = $8.38M
Windsor = $7.46M

Month First Achieved Financial Independence

Arvada = 57.17 Years (686 Months)
Aurora = 43.33 Years (520 Months)
Boulder = 84.00 Years (1008 Months)
Centennial = 56.00 Years (672 Months)
Colorado Springs = 42.00 Years (504 Months)
Denver = 46.00 Years (552 Months)
Fort Collins = 29.08 Years (349 Months)
Greeley = 43.00 Years (516 Months)
Highlands Ranch = 68.17 Years (818 Months)
Lakewood = 56.00 Years (672 Months)
Loveland = 48.00 Years (576 Months)
Pueblo = 34.67 Years (416 Months)
Thornton = 53.00 Years (636 Months)
Westminster = 51.00 Years (612 Months)
Windsor = 54.00 Years (648 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 = $1.17M
Aurora = $2.69M
Boulder = -$666.61K
Centennial = $612.14K
Colorado Springs = $3.28M
Denver = $1.53M
Fort Collins = $6.93M
Greeley = $3.04M
Highlands Ranch = $8,006
Lakewood = $1.16M
Loveland = $2.58M
Pueblo = $4.90M
Thornton = $1.53M
Westminster = $1.66M
Windsor = $1.62M

Month First Achieved Financial Independence

Arvada = 82.58 Years (991 Months)
Aurora = 69.00 Years (828 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 93.58 Years (1123 Months)
Colorado Springs = 63.00 Years (756 Months)
Denver = 82.00 Years (984 Months)
Fort Collins = 42.00 Years (504 Months)
Greeley = 62.17 Years (746 Months)
Highlands Ranch = 0.00 Years (0 Months)
Lakewood = 95.00 Years (1140 Months)
Loveland = 69.00 Years (828 Months)
Pueblo = 44.00 Years (528 Months)
Thornton = 87.00 Years (1044 Months)
Westminster = 84.00 Years (1008 Months)
Windsor = 84.00 Years (1008 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 = $5.86M
Aurora = $8.76M
Boulder = $4.70M
Centennial = $6.37M
Colorado Springs = $8.89M
Denver = $8.93M
Fort Collins = $14.67M
Greeley = $6.87M
Highlands Ranch = $4.84M
Lakewood = $6.10M
Loveland = $6.57M
Pueblo = $8.62M
Thornton = $6.43M
Westminster = $6.90M
Windsor = $6.42M

Month First Achieved Financial Independence

Arvada = 62.42 Years (749 Months)
Aurora = 48.00 Years (576 Months)
Boulder = 94.00 Years (1128 Months)
Centennial = 63.17 Years (758 Months)
Colorado Springs = 46.83 Years (562 Months)
Denver = 52.00 Years (624 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 50.25 Years (603 Months)
Highlands Ranch = 77.00 Years (924 Months)
Lakewood = 63.08 Years (757 Months)
Loveland = 53.00 Years (636 Months)
Pueblo = 37.83 Years (454 Months)
Thornton = 60.00 Years (720 Months)
Westminster = 57.75 Years (693 Months)
Windsor = 59.00 Years (708 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 = $5.02M
Aurora = $6.71M
Boulder = $4.52M
Centennial = $5.35M
Colorado Springs = $6.71M
Denver = $7.06M
Fort Collins = $10.79M
Greeley = $5.65M
Highlands Ranch = $4.26M
Lakewood = $5.13M
Loveland = $5.51M
Pueblo = $6.68M
Thornton = $5.18M
Westminster = $5.56M
Windsor = $5.26M

Month First Achieved Financial Independence

Arvada = 71.75 Years (861 Months)
Aurora = 56.33 Years (676 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 71.92 Years (863 Months)
Colorado Springs = 53.33 Years (640 Months)
Denver = 59.67 Years (716 Months)
Fort Collins = 38.83 Years (466 Months)
Greeley = 56.00 Years (672 Months)
Highlands Ranch = 88.00 Years (1056 Months)
Lakewood = 70.83 Years (850 Months)
Loveland = 59.00 Years (708 Months)
Pueblo = 45.00 Years (540 Months)
Thornton = 69.00 Years (828 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 67.00 Years (804 Months)

Nomad™ Start with $0

Do the traditional Nomad™ strategy except you start with $0 saved up.

Net Worth at 40 Years

Arvada = $4.62M
Aurora = $6.74M
Boulder = $3.56M
Centennial = $4.94M
Colorado Springs = $6.71M
Denver = $6.66M
Fort Collins = $11.66M
Greeley = $5.63M
Highlands Ranch = $3.78M
Lakewood = $4.79M
Loveland = $5.31M
Pueblo = $7.28M
Thornton = $5.06M
Westminster = $5.35M
Windsor = $5.04M

Month First Achieved Financial Independence

Arvada = 67.58 Years (811 Months)
Aurora = 53.42 Years (641 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 67.00 Years (804 Months)
Colorado Springs = 51.58 Years (619 Months)
Denver = 58.00 Years (696 Months)
Fort Collins = 37.00 Years (444 Months)
Greeley = 53.00 Years (636 Months)
Highlands Ranch = 83.75 Years (1005 Months)
Lakewood = 66.25 Years (795 Months)
Loveland = 56.00 Years (672 Months)
Pueblo = 42.00 Years (504 Months)
Thornton = 64.00 Years (768 Months)
Westminster = 61.92 Years (743 Months)
Windsor = 62.42 Years (749 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 = $5.64M
Aurora = $8.42M
Boulder = $4.68M
Centennial = $6.04M
Colorado Springs = $8.41M
Denver = $8.50M
Fort Collins = $14.53M
Greeley = $7.08M
Highlands Ranch = $4.72M
Lakewood = $5.80M
Loveland = $6.73M
Pueblo = $8.79M
Thornton = $6.01M
Westminster = $6.47M
Windsor = $6.08M

Month First Achieved Financial Independence

Arvada = 64.83 Years (778 Months)
Aurora = 48.00 Years (576 Months)
Boulder = 92.67 Years (1112 Months)
Centennial = 63.50 Years (762 Months)
Colorado Springs = 46.00 Years (552 Months)
Denver = 51.00 Years (612 Months)
Fort Collins = 33.33 Years (400 Months)
Greeley = 49.00 Years (588 Months)
Highlands Ranch = 78.00 Years (936 Months)
Lakewood = 63.00 Years (756 Months)
Loveland = 53.00 Years (636 Months)
Pueblo = 37.00 Years (444 Months)
Thornton = 59.00 Years (708 Months)
Westminster = 56.58 Years (679 Months)
Windsor = 59.00 Years (708 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 = $5.46M
Aurora = $7.92M
Boulder = $4.56M
Centennial = $5.89M
Colorado Springs = $7.84M
Denver = $7.98M
Fort Collins = $8.85M
Greeley = $6.31M
Highlands Ranch = $4.50M
Lakewood = $5.63M
Loveland = $6.03M
Pueblo = $6.21M
Thornton = $5.88M
Westminster = $6.27M
Windsor = $5.92M

Month First Achieved Financial Independence

Arvada = 60.33 Years (724 Months)
Aurora = 47.25 Years (567 Months)
Boulder = 87.92 Years (1055 Months)
Centennial = 60.25 Years (723 Months)
Colorado Springs = 45.50 Years (546 Months)
Denver = 50.58 Years (607 Months)
Fort Collins = 33.83 Years (406 Months)
Greeley = 47.50 Years (570 Months)
Highlands Ranch = 73.08 Years (877 Months)
Lakewood = 59.67 Years (716 Months)
Loveland = 50.83 Years (610 Months)
Pueblo = 37.50 Years (450 Months)
Thornton = 56.25 Years (675 Months)
Westminster = 54.58 Years (655 Months)
Windsor = 56.08 Years (673 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 = $9.38M
Aurora = $12.07M
Boulder = $10.16M
Centennial = $10.37M
Colorado Springs = $11.63M
Denver = $13.38M
Fort Collins = $18.21M
Greeley = $9.41M
Highlands Ranch = $8.68M
Lakewood = $9.63M
Loveland = $9.42M
Pueblo = $10.53M
Thornton = $9.81M
Westminster = $10.45M
Windsor = $9.75M

Month First Achieved Financial Independence

Arvada = 54.00 Years (648 Months)
Aurora = 44.00 Years (528 Months)
Boulder = 73.83 Years (886 Months)
Centennial = 54.00 Years (648 Months)
Colorado Springs = 43.42 Years (521 Months)
Denver = 46.00 Years (552 Months)
Fort Collins = 31.33 Years (376 Months)
Greeley = 46.00 Years (552 Months)
Highlands Ranch = 66.92 Years (803 Months)
Lakewood = 54.75 Years (657 Months)
Loveland = 48.00 Years (576 Months)
Pueblo = 37.17 Years (446 Months)
Thornton = 52.67 Years (632 Months)
Westminster = 49.25 Years (591 Months)
Windsor = 52.00 Years (624 Months)

Baseline Nomad™ Scenario

Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.

Net Worth at 40 Years

Arvada = $5.46M
Aurora = $7.92M
Boulder = $4.56M
Centennial = $5.89M
Colorado Springs = $7.84M
Denver = $7.98M
Fort Collins = $12.87M
Greeley = $6.31M
Highlands Ranch = $4.50M
Lakewood = $5.63M
Loveland = $6.03M
Pueblo = $8.10M
Thornton = $5.88M
Westminster = $6.27M
Windsor = $5.92M

Month First Achieved Financial Independence

Arvada = 64.67 Years (776 Months)
Aurora = 50.67 Years (608 Months)
Boulder = 96.50 Years (1158 Months)
Centennial = 63.92 Years (767 Months)
Colorado Springs = 48.92 Years (587 Months)
Denver = 54.83 Years (658 Months)
Fort Collins = 34.17 Years (410 Months)
Greeley = 51.00 Years (612 Months)
Highlands Ranch = 79.83 Years (958 Months)
Lakewood = 63.08 Years (757 Months)
Loveland = 54.00 Years (648 Months)
Pueblo = 40.00 Years (480 Months)
Thornton = 62.83 Years (754 Months)
Westminster = 58.92 Years (707 Months)
Windsor = 59.42 Years (713 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 = $6.19M
Aurora = $9.26M
Boulder = $4.89M
Centennial = $6.71M
Colorado Springs = $9.16M
Denver = $9.46M
Fort Collins = $15.67M
Greeley = $7.16M
Highlands Ranch = $4.99M
Lakewood = $6.33M
Loveland = $6.81M
Pueblo = $8.79M
Thornton = $6.60M
Westminster = $7.32M
Windsor = $6.57M

Month First Achieved Financial Independence

Arvada = 63.42 Years (761 Months)
Aurora = 47.75 Years (573 Months)
Boulder = 92.58 Years (1111 Months)
Centennial = 62.75 Years (753 Months)
Colorado Springs = 46.33 Years (556 Months)
Denver = 51.33 Years (616 Months)
Fort Collins = 32.58 Years (391 Months)
Greeley = 49.67 Years (596 Months)
Highlands Ranch = 76.75 Years (921 Months)
Lakewood = 62.00 Years (744 Months)
Loveland = 52.58 Years (631 Months)
Pueblo = 37.75 Years (453 Months)
Thornton = 60.00 Years (720 Months)
Westminster = 56.42 Years (677 Months)
Windsor = 58.33 Years (700 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 = $5.46M
Aurora = $7.92M
Boulder = $4.56M
Centennial = $5.89M
Colorado Springs = $7.84M
Denver = $7.98M
Fort Collins = $12.87M
Greeley = $6.31M
Highlands Ranch = $4.50M
Lakewood = $5.63M
Loveland = $6.03M
Pueblo = $7.83M
Thornton = $5.88M
Westminster = $6.27M
Windsor = $5.92M

Month First Achieved Financial Independence

Arvada = 64.67 Years (776 Months)
Aurora = 50.67 Years (608 Months)
Boulder = 96.50 Years (1158 Months)
Centennial = 63.92 Years (767 Months)
Colorado Springs = 49.08 Years (589 Months)
Denver = 54.83 Years (658 Months)
Fort Collins = 34.17 Years (410 Months)
Greeley = 49.83 Years (598 Months)
Highlands Ranch = 79.83 Years (958 Months)
Lakewood = 63.08 Years (757 Months)
Loveland = 53.08 Years (637 Months)
Pueblo = 38.58 Years (463 Months)
Thornton = 62.83 Years (754 Months)
Westminster = 58.92 Years (707 Months)
Windsor = 59.42 Years (713 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 = $4.26M
Aurora = $5.90M
Boulder = $4.16M
Centennial = $4.53M
Colorado Springs = $5.86M
Denver = $6.07M
Fort Collins = $9.59M
Greeley = $4.99M
Highlands Ranch = $3.63M
Lakewood = $4.37M
Loveland = $4.84M
Pueblo = $6.07M
Thornton = $4.48M
Westminster = $4.86M
Windsor = $4.60M

Month First Achieved Financial Independence

Arvada = 75.33 Years (904 Months)
Aurora = 58.83 Years (706 Months)
Boulder = 75.25 Years (903 Months)
Centennial = 75.00 Years (900 Months)
Colorado Springs = 54.42 Years (653 Months)
Denver = 60.50 Years (726 Months)
Fort Collins = 40.00 Years (480 Months)
Greeley = 57.25 Years (687 Months)
Highlands Ranch = 90.75 Years (1089 Months)
Lakewood = 74.25 Years (891 Months)
Loveland = 61.83 Years (742 Months)
Pueblo = 47.00 Years (564 Months)
Thornton = 70.08 Years (841 Months)
Westminster = 68.00 Years (816 Months)
Windsor = 69.33 Years (832 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 = $4.49M
Aurora = $4.80M
Boulder = $4.79M
Centennial = $4.54M
Colorado Springs = $4.79M
Denver = $4.82M
Fort Collins = $5.58M
Greeley = $4.68M
Highlands Ranch = $4.42M
Lakewood = $4.49M
Loveland = $4.60M
Pueblo = $4.95M
Thornton = $4.49M
Westminster = $4.60M
Windsor = $4.51M

Month First Achieved Financial Independence

Arvada = 61.75 Years (741 Months)
Aurora = 50.50 Years (606 Months)
Boulder = 85.00 Years (1020 Months)
Centennial = 62.00 Years (744 Months)
Colorado Springs = 48.17 Years (578 Months)
Denver = 54.00 Years (648 Months)
Fort Collins = 39.25 Years (471 Months)
Greeley = 48.00 Years (576 Months)
Highlands Ranch = 72.25 Years (867 Months)
Lakewood = 61.00 Years (732 Months)
Loveland = 51.75 Years (621 Months)
Pueblo = 38.92 Years (467 Months)
Thornton = 58.00 Years (696 Months)
Westminster = 56.25 Years (675 Months)
Windsor = 58.00 Years (696 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 = $5.11M
Aurora = $7.14M
Boulder = $4.55M
Centennial = $5.50M
Colorado Springs = $7.12M
Denver = $7.39M
Fort Collins = $11.58M
Greeley = $5.91M
Highlands Ranch = $4.22M
Lakewood = $5.28M
Loveland = $5.64M
Pueblo = $7.46M
Thornton = $5.46M
Westminster = $5.81M
Windsor = $5.40M

Month First Achieved Financial Independence

Arvada = 65.08 Years (781 Months)
Aurora = 53.17 Years (638 Months)
Boulder = 71.75 Years (861 Months)
Centennial = 65.33 Years (784 Months)
Colorado Springs = 51.00 Years (612 Months)
Denver = 55.00 Years (660 Months)
Fort Collins = 36.50 Years (438 Months)
Greeley = 51.08 Years (613 Months)
Highlands Ranch = 80.00 Years (960 Months)
Lakewood = 65.00 Years (780 Months)
Loveland = 53.83 Years (646 Months)
Pueblo = 40.83 Years (490 Months)
Thornton = 63.00 Years (756 Months)
Westminster = 61.00 Years (732 Months)
Windsor = 62.00 Years (744 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 = $5.32M
Aurora = $6.59M
Boulder = $4.68M
Centennial = $5.62M
Colorado Springs = $6.57M
Denver = $6.97M
Fort Collins = $7.74M
Greeley = $5.86M
Highlands Ranch = $4.69M
Lakewood = $5.40M
Loveland = $5.78M
Pueblo = $5.12M
Thornton = $5.49M
Westminster = $5.76M
Windsor = $5.53M

Month First Achieved Financial Independence

Arvada = 53.00 Years (636 Months)
Aurora = 42.00 Years (504 Months)
Boulder = 77.00 Years (924 Months)
Centennial = 53.00 Years (636 Months)
Colorado Springs = 40.00 Years (480 Months)
Denver = 44.00 Years (528 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 41.00 Years (492 Months)
Highlands Ranch = 64.00 Years (768 Months)
Lakewood = 52.75 Years (633 Months)
Loveland = 44.00 Years (528 Months)
Pueblo = 32.75 Years (393 Months)
Thornton = 50.00 Years (600 Months)
Westminster = 48.17 Years (578 Months)
Windsor = 49.75 Years (597 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 = $6.38M
Aurora = $9.60M
Boulder = $4.98M
Centennial = $6.88M
Colorado Springs = $9.64M
Denver = $10.09M
Fort Collins = $16.02M
Greeley = $7.53M
Highlands Ranch = $5.15M
Lakewood = $6.55M
Loveland = $7.18M
Pueblo = $9.49M
Thornton = $7.04M
Westminster = $7.57M
Windsor = $6.97M

Month First Achieved Financial Independence

Arvada = 62.00 Years (744 Months)
Aurora = 46.42 Years (557 Months)
Boulder = 93.00 Years (1116 Months)
Centennial = 63.00 Years (756 Months)
Colorado Springs = 45.00 Years (540 Months)
Denver = 49.67 Years (596 Months)
Fort Collins = 32.00 Years (384 Months)
Greeley = 48.00 Years (576 Months)
Highlands Ranch = 76.92 Years (923 Months)
Lakewood = 62.17 Years (746 Months)
Loveland = 52.33 Years (628 Months)
Pueblo = 36.92 Years (443 Months)
Thornton = 58.58 Years (703 Months)
Westminster = 55.00 Years (660 Months)
Windsor = 58.17 Years (698 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 = $6.71M
Aurora = $9.97M
Boulder = $5.24M
Centennial = $7.18M
Colorado Springs = $9.98M
Denver = $10.45M
Fort Collins = $16.85M
Greeley = $7.81M
Highlands Ranch = $5.41M
Lakewood = $6.96M
Loveland = $7.40M
Pueblo = $9.59M
Thornton = $7.30M
Westminster = $7.85M
Windsor = $7.22M

Month First Achieved Financial Independence

Arvada = 61.00 Years (732 Months)
Aurora = 47.00 Years (564 Months)
Boulder = 93.00 Years (1116 Months)
Centennial = 60.67 Years (728 Months)
Colorado Springs = 45.00 Years (540 Months)
Denver = 49.50 Years (594 Months)
Fort Collins = 30.50 Years (366 Months)
Greeley = 48.00 Years (576 Months)
Highlands Ranch = 76.00 Years (912 Months)
Lakewood = 61.67 Years (740 Months)
Loveland = 52.00 Years (624 Months)
Pueblo = 36.08 Years (433 Months)
Thornton = 58.58 Years (703 Months)
Westminster = 55.00 Years (660 Months)
Windsor = 56.58 Years (679 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 = $5.89M
Aurora = $8.53M
Boulder = $4.81M
Centennial = $6.43M
Colorado Springs = $8.41M
Denver = $8.61M
Fort Collins = $13.47M
Greeley = $6.74M
Highlands Ranch = $4.98M
Lakewood = $6.14M
Loveland = $6.45M
Pueblo = $8.19M
Thornton = $6.42M
Westminster = $6.77M
Windsor = $6.41M

Month First Achieved Financial Independence

Arvada = 62.42 Years (749 Months)
Aurora = 49.17 Years (590 Months)
Boulder = 94.00 Years (1128 Months)
Centennial = 61.58 Years (739 Months)
Colorado Springs = 47.08 Years (565 Months)
Denver = 52.00 Years (624 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 49.67 Years (596 Months)
Highlands Ranch = 76.00 Years (912 Months)
Lakewood = 61.00 Years (732 Months)
Loveland = 52.42 Years (629 Months)
Pueblo = 38.00 Years (456 Months)
Thornton = 59.00 Years (708 Months)
Westminster = 55.08 Years (661 Months)
Windsor = 58.50 Years (702 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 = $4.09M
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 = 54.42 Years (653 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)

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 = $5.44M
Aurora = $7.87M
Boulder = $4.55M
Centennial = $5.87M
Colorado Springs = $8.07M
Denver = $8.16M
Fort Collins = $8.38M
Greeley = $6.49M
Highlands Ranch = $4.50M
Lakewood = $5.61M
Loveland = $6.17M
Pueblo = $6.80M
Thornton = $5.87M
Westminster = $6.22M
Windsor = $5.90M

Month First Achieved Financial Independence

Arvada = 58.00 Years (696 Months)
Aurora = 44.17 Years (530 Months)
Boulder = 91.08 Years (1093 Months)
Centennial = 60.00 Years (720 Months)
Colorado Springs = 41.67 Years (500 Months)
Denver = 47.50 Years (570 Months)
Fort Collins = 27.08 Years (325 Months)
Greeley = 44.25 Years (531 Months)
Highlands Ranch = 75.42 Years (905 Months)
Lakewood = 59.50 Years (714 Months)
Loveland = 48.08 Years (577 Months)
Pueblo = 33.58 Years (403 Months)
Thornton = 54.75 Years (657 Months)
Westminster = 51.08 Years (613 Months)
Windsor = 53.08 Years (637 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 = $5.62M
Aurora = $8.32M
Boulder = $4.68M
Centennial = $5.91M
Colorado Springs = $8.31M
Denver = $8.42M
Fort Collins = $14.59M
Greeley = $6.92M
Highlands Ranch = $4.65M
Lakewood = $5.66M
Loveland = $6.60M
Pueblo = $8.90M
Thornton = $5.89M
Westminster = $6.46M
Windsor = $5.96M

Month First Achieved Financial Independence

Arvada = 66.00 Years (792 Months)
Aurora = 49.00 Years (588 Months)
Boulder = 96.00 Years (1152 Months)
Centennial = 66.00 Years (792 Months)
Colorado Springs = 47.17 Years (566 Months)
Denver = 52.58 Years (631 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 49.50 Years (594 Months)
Highlands Ranch = 79.92 Years (959 Months)
Lakewood = 66.00 Years (792 Months)
Loveland = 53.00 Years (636 Months)
Pueblo = 37.75 Years (453 Months)
Thornton = 61.00 Years (732 Months)
Westminster = 58.00 Years (696 Months)
Windsor = 61.00 Years (732 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 = $5.24M
Aurora = $6.04M
Boulder = $4.67M
Centennial = $5.52M
Colorado Springs = $5.91M
Denver = $6.53M
Fort Collins = $6.75M
Greeley = $5.39M
Highlands Ranch = $4.66M
Lakewood = $5.29M
Loveland = $5.45M
Pueblo = $5.17M
Thornton = $5.30M
Westminster = $5.54M
Windsor = $5.39M

Month First Achieved Financial Independence

Arvada = 53.42 Years (641 Months)
Aurora = 46.42 Years (557 Months)
Boulder = 71.67 Years (860 Months)
Centennial = 54.00 Years (648 Months)
Colorado Springs = 44.75 Years (537 Months)
Denver = 48.33 Years (580 Months)
Fort Collins = 37.83 Years (454 Months)
Greeley = 44.17 Years (530 Months)
Highlands Ranch = 61.58 Years (739 Months)
Lakewood = 53.25 Years (639 Months)
Loveland = 46.25 Years (555 Months)
Pueblo = 38.33 Years (460 Months)
Thornton = 51.58 Years (619 Months)
Westminster = 50.42 Years (605 Months)
Windsor = 50.92 Years (611 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 = $5.01M
Aurora = $7.00M
Boulder = $4.55M
Centennial = $5.39M
Colorado Springs = $7.18M
Denver = $6.97M
Fort Collins = $11.86M
Greeley = $6.21M
Highlands Ranch = $4.48M
Lakewood = $5.06M
Loveland = $5.76M
Pueblo = $8.23M
Thornton = $5.30M
Westminster = $5.62M
Windsor = $5.38M

Month First Achieved Financial Independence

Arvada = 70.42 Years (845 Months)
Aurora = 53.00 Years (636 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 69.00 Years (828 Months)
Colorado Springs = 50.00 Years (600 Months)
Denver = 56.42 Years (677 Months)
Fort Collins = 35.67 Years (428 Months)
Greeley = 52.42 Years (629 Months)
Highlands Ranch = 83.00 Years (996 Months)
Lakewood = 69.58 Years (835 Months)
Loveland = 57.00 Years (684 Months)
Pueblo = 40.00 Years (480 Months)
Thornton = 64.42 Years (773 Months)
Westminster = 62.00 Years (744 Months)
Windsor = 65.00 Years (780 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 = $4.92M
Aurora = $6.75M
Boulder = $4.17M
Centennial = $5.08M
Colorado Springs = $6.87M
Denver = $6.90M
Fort Collins = $12.32M
Greeley = $5.80M
Highlands Ranch = $4.22M
Lakewood = $5.05M
Loveland = $5.68M
Pueblo = $7.79M
Thornton = $5.18M
Westminster = $5.64M
Windsor = $5.15M

Month First Achieved Financial Independence

Arvada = 72.00 Years (864 Months)
Aurora = 54.00 Years (648 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 72.00 Years (864 Months)
Colorado Springs = 51.92 Years (623 Months)
Denver = 58.00 Years (696 Months)
Fort Collins = 36.00 Years (432 Months)
Greeley = 55.00 Years (660 Months)
Highlands Ranch = 86.33 Years (1036 Months)
Lakewood = 70.08 Years (841 Months)
Loveland = 59.50 Years (714 Months)
Pueblo = 41.00 Years (492 Months)
Thornton = 66.00 Years (792 Months)
Westminster = 63.83 Years (766 Months)
Windsor = 67.67 Years (812 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 = $5.46M
Aurora = $8.21M
Boulder = $4.56M
Centennial = $5.89M
Colorado Springs = $8.18M
Denver = $8.24M
Fort Collins = $13.18M
Greeley = $6.58M
Highlands Ranch = $4.50M
Lakewood = $5.62M
Loveland = $6.22M
Pueblo = $7.94M
Thornton = $5.94M
Westminster = $6.35M
Windsor = $5.88M

Month First Achieved Financial Independence

Arvada = 63.08 Years (757 Months)
Aurora = 46.00 Years (552 Months)
Boulder = 94.17 Years (1130 Months)
Centennial = 62.08 Years (745 Months)
Colorado Springs = 44.33 Years (532 Months)
Denver = 50.08 Years (601 Months)
Fort Collins = 30.00 Years (360 Months)
Greeley = 47.75 Years (573 Months)
Highlands Ranch = 77.25 Years (927 Months)
Lakewood = 61.67 Years (740 Months)
Loveland = 52.00 Years (624 Months)
Pueblo = 35.00 Years (420 Months)
Thornton = 56.67 Years (680 Months)
Westminster = 55.67 Years (668 Months)
Windsor = 58.25 Years (699 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% 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.
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.
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.
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.
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.
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% 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.
Nomad™ Start with $0 - Do the traditional Nomad™ strategy except you start with $0 saved up.
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.
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.
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.
Baseline Nomad™ Scenario - Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
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.
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.
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.
.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.
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).
.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.
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.
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.
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.
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.
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.
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.