Model

Colorado Real Estate Models

Check out how Colorado 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

Arvada = $4.81M
Aurora = $6.75M
Boulder = $4.40M
Centennial = $5.14M
Colorado Springs = $6.71M
Denver = $6.94M
Fort Collins = $11.09M
Greeley = $5.62M
Highlands Ranch = $4.05M
Lakewood = $4.95M
Loveland = $5.43M
Pueblo = $7.04M
Thornton = $5.26M
Westminster = $5.59M
Windsor = $5.19M

Month First Achieved Financial Independence

Arvada = 69.92 Years (839 Months)
Aurora = 53.75 Years (645 Months)
Boulder = 73.42 Years (881 Months)
Centennial = 69.75 Years (837 Months)
Colorado Springs = 51.83 Years (622 Months)
Denver = 57.75 Years (693 Months)
Fort Collins = 37.75 Years (453 Months)
Greeley = 54.75 Years (657 Months)
Highlands Ranch = 85.50 Years (1026 Months)
Lakewood = 68.83 Years (826 Months)
Loveland = 57.75 Years (693 Months)
Pueblo = 42.75 Years (513 Months)
Thornton = 64.58 Years (775 Months)
Westminster = 63.25 Years (759 Months)
Windsor = 63.92 Years (767 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

Arvada = $6.12M
Aurora = $9.24M
Boulder = $4.87M
Centennial = $6.72M
Colorado Springs = $9.20M
Denver = $9.39M
Fort Collins = $14.91M
Greeley = $7.20M
Highlands Ranch = $5.02M
Lakewood = $6.42M
Loveland = $6.86M
Pueblo = $8.82M
Thornton = $6.80M
Westminster = $7.18M
Windsor = $6.69M

Month First Achieved Financial Independence

Arvada = 60.50 Years (726 Months)
Aurora = 47.75 Years (573 Months)
Boulder = 90.75 Years (1089 Months)
Centennial = 60.50 Years (726 Months)
Colorado Springs = 45.75 Years (549 Months)
Denver = 49.75 Years (597 Months)
Fort Collins = 31.75 Years (381 Months)
Greeley = 47.08 Years (565 Months)
Highlands Ranch = 73.83 Years (886 Months)
Lakewood = 60.25 Years (723 Months)
Loveland = 51.00 Years (612 Months)
Pueblo = 36.75 Years (441 Months)
Thornton = 57.58 Years (691 Months)
Westminster = 54.00 Years (648 Months)
Windsor = 56.75 Years (681 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 = $4.10M
Aurora = $5.24M
Boulder = $4.15M
Centennial = $4.14M
Colorado Springs = $5.26M
Denver = $5.56M
Fort Collins = $8.24M
Greeley = $4.71M
Highlands Ranch = $3.32M
Lakewood = $3.96M
Loveland = $4.52M
Pueblo = $5.60M
Thornton = $4.23M
Westminster = $4.50M
Windsor = $4.20M

Month First Achieved Financial Independence

Arvada = 70.75 Years (849 Months)
Aurora = 56.75 Years (681 Months)
Boulder = 72.33 Years (868 Months)
Centennial = 70.08 Years (841 Months)
Colorado Springs = 54.75 Years (657 Months)
Denver = 58.67 Years (704 Months)
Fort Collins = 41.25 Years (495 Months)
Greeley = 54.33 Years (652 Months)
Highlands Ranch = 86.33 Years (1036 Months)
Lakewood = 70.08 Years (841 Months)
Loveland = 58.75 Years (705 Months)
Pueblo = 43.83 Years (526 Months)
Thornton = 65.58 Years (787 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 65.42 Years (785 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 = $4.10M
Aurora = $5.24M
Boulder = $4.15M
Centennial = $4.14M
Colorado Springs = $5.26M
Denver = $5.56M
Fort Collins = $8.24M
Greeley = $4.71M
Highlands Ranch = $3.32M
Lakewood = $3.96M
Loveland = $4.52M
Pueblo = $5.60M
Thornton = $4.23M
Westminster = $4.50M
Windsor = $4.20M

Month First Achieved Financial Independence

Arvada = 70.75 Years (849 Months)
Aurora = 56.75 Years (681 Months)
Boulder = 72.33 Years (868 Months)
Centennial = 70.08 Years (841 Months)
Colorado Springs = 54.75 Years (657 Months)
Denver = 58.67 Years (704 Months)
Fort Collins = 41.25 Years (495 Months)
Greeley = 54.33 Years (652 Months)
Highlands Ranch = 86.33 Years (1036 Months)
Lakewood = 70.08 Years (841 Months)
Loveland = 58.75 Years (705 Months)
Pueblo = 43.83 Years (526 Months)
Thornton = 65.58 Years (787 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 65.42 Years (785 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 = $28.19M
Aurora = $34.83M
Boulder = $24.00M
Centennial = $31.78M
Colorado Springs = $32.59M
Denver = $40.34M
Fort Collins = $45.06M
Greeley = $27.61M
Highlands Ranch = $25.56M
Lakewood = $29.57M
Loveland = $29.23M
Pueblo = $25.78M
Thornton = $28.65M
Westminster = $30.68M
Windsor = $29.71M

Month First Achieved Financial Independence

Arvada = 26.75 Years (321 Months)
Aurora = 16.75 Years (201 Months)
Boulder = 43.75 Years (525 Months)
Centennial = 25.75 Years (309 Months)
Colorado Springs = 16.75 Years (201 Months)
Denver = 18.75 Years (225 Months)
Fort Collins = 10.75 Years (129 Months)
Greeley = 17.75 Years (213 Months)
Highlands Ranch = 35.75 Years (429 Months)
Lakewood = 25.75 Years (309 Months)
Loveland = 19.75 Years (237 Months)
Pueblo = 12.75 Years (153 Months)
Thornton = 23.75 Years (285 Months)
Westminster = 21.75 Years (261 Months)
Windsor = 23.75 Years (285 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 = $8.33M
Aurora = $13.38M
Boulder = $6.59M
Centennial = $9.34M
Colorado Springs = $13.32M
Denver = $14.20M
Fort Collins = $20.85M
Greeley = $10.19M
Highlands Ranch = $6.67M
Lakewood = $8.78M
Loveland = $9.61M
Pueblo = $11.51M
Thornton = $9.42M
Westminster = $10.12M
Windsor = $9.34M

Month First Achieved Financial Independence

Arvada = 57.75 Years (693 Months)
Aurora = 42.67 Years (512 Months)
Boulder = 85.75 Years (1029 Months)
Centennial = 57.25 Years (687 Months)
Colorado Springs = 40.75 Years (489 Months)
Denver = 44.75 Years (537 Months)
Fort Collins = 24.75 Years (297 Months)
Greeley = 43.75 Years (525 Months)
Highlands Ranch = 71.75 Years (861 Months)
Lakewood = 57.75 Years (693 Months)
Loveland = 46.75 Years (561 Months)
Pueblo = 32.75 Years (393 Months)
Thornton = 52.75 Years (633 Months)
Westminster = 50.75 Years (609 Months)
Windsor = 53.75 Years (645 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 = $4.58M
Aurora = $6.34M
Boulder = $4.41M
Centennial = $4.90M
Colorado Springs = $6.35M
Denver = $6.56M
Fort Collins = $10.20M
Greeley = $5.29M
Highlands Ranch = $3.73M
Lakewood = $4.71M
Loveland = $5.21M
Pueblo = $6.60M
Thornton = $4.88M
Westminster = $5.20M
Windsor = $4.95M

Month First Achieved Financial Independence

Arvada = 66.75 Years (801 Months)
Aurora = 54.75 Years (657 Months)
Boulder = 71.92 Years (863 Months)
Centennial = 66.75 Years (801 Months)
Colorado Springs = 51.75 Years (621 Months)
Denver = 55.92 Years (671 Months)
Fort Collins = 37.75 Years (453 Months)
Greeley = 53.75 Years (645 Months)
Highlands Ranch = 83.75 Years (1005 Months)
Lakewood = 65.75 Years (789 Months)
Loveland = 55.67 Years (668 Months)
Pueblo = 41.75 Years (501 Months)
Thornton = 63.75 Years (765 Months)
Westminster = 61.00 Years (732 Months)
Windsor = 64.00 Years (768 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 = $17.99M
Aurora = $25.03M
Boulder = $12.49M
Centennial = $19.88M
Colorado Springs = $23.68M
Denver = $28.07M
Fort Collins = $34.32M
Greeley = $19.41M
Highlands Ranch = $13.75M
Lakewood = $18.40M
Loveland = $18.40M
Pueblo = $19.73M
Thornton = $19.91M
Westminster = $21.07M
Windsor = $18.45M

Month First Achieved Financial Independence

Arvada = 39.33 Years (472 Months)
Aurora = 25.75 Years (309 Months)
Boulder = 58.50 Years (702 Months)
Centennial = 37.75 Years (453 Months)
Colorado Springs = 24.75 Years (297 Months)
Denver = 27.75 Years (333 Months)
Fort Collins = 14.08 Years (169 Months)
Greeley = 27.75 Years (333 Months)
Highlands Ranch = 46.83 Years (562 Months)
Lakewood = 38.67 Years (464 Months)
Loveland = 31.83 Years (382 Months)
Pueblo = 18.75 Years (225 Months)
Thornton = 34.75 Years (417 Months)
Westminster = 33.17 Years (398 Months)
Windsor = 35.75 Years (429 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 = $2.71M
Boulder = -$666.61K
Centennial = $612.13K
Colorado Springs = $3.30M
Denver = $1.53M
Fort Collins = $7.00M
Greeley = $3.05M
Highlands Ranch = $8,006
Lakewood = $1.16M
Loveland = $2.56M
Pueblo = $4.94M
Thornton = $1.53M
Westminster = $1.66M
Windsor = $1.62M

Month First Achieved Financial Independence

Arvada = 82.58 Years (991 Months)
Aurora = 68.75 Years (825 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 93.67 Years (1124 Months)
Colorado Springs = 62.75 Years (753 Months)
Denver = 81.58 Years (979 Months)
Fort Collins = 41.75 Years (501 Months)
Greeley = 62.00 Years (744 Months)
Highlands Ranch = 0.00 Years (0 Months)
Lakewood = 94.75 Years (1137 Months)
Loveland = 69.75 Years (837 Months)
Pueblo = 43.75 Years (525 Months)
Thornton = 86.83 Years (1042 Months)
Westminster = 83.75 Years (1005 Months)
Windsor = 83.75 Years (1005 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 = $8.81M
Aurora = $14.50M
Boulder = $6.99M
Centennial = $10.01M
Colorado Springs = $13.89M
Denver = $15.65M
Fort Collins = $23.07M
Greeley = $11.21M
Highlands Ranch = $7.21M
Lakewood = $9.34M
Loveland = $10.32M
Pueblo = $12.98M
Thornton = $10.03M
Westminster = $10.93M
Windsor = $10.03M

Month First Achieved Financial Independence

Arvada = 54.75 Years (657 Months)
Aurora = 38.75 Years (465 Months)
Boulder = 80.50 Years (966 Months)
Centennial = 52.75 Years (633 Months)
Colorado Springs = 37.25 Years (447 Months)
Denver = 41.67 Years (500 Months)
Fort Collins = 22.75 Years (273 Months)
Greeley = 40.75 Years (489 Months)
Highlands Ranch = 65.75 Years (789 Months)
Lakewood = 53.17 Years (638 Months)
Loveland = 45.67 Years (548 Months)
Pueblo = 30.75 Years (369 Months)
Thornton = 48.75 Years (585 Months)
Westminster = 46.75 Years (561 Months)
Windsor = 48.75 Years (585 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 = $7.02M
Aurora = $10.96M
Boulder = $5.45M
Centennial = $7.56M
Colorado Springs = $10.73M
Denver = $11.05M
Fort Collins = $17.19M
Greeley = $8.15M
Highlands Ranch = $5.76M
Lakewood = $7.19M
Loveland = $7.71M
Pueblo = $10.17M
Thornton = $7.83M
Westminster = $8.46M
Windsor = $7.51M

Month First Achieved Financial Independence

Arvada = 57.08 Years (685 Months)
Aurora = 43.08 Years (517 Months)
Boulder = 83.75 Years (1005 Months)
Centennial = 56.50 Years (678 Months)
Colorado Springs = 41.75 Years (501 Months)
Denver = 45.75 Years (549 Months)
Fort Collins = 28.83 Years (346 Months)
Greeley = 43.75 Years (525 Months)
Highlands Ranch = 68.67 Years (824 Months)
Lakewood = 55.75 Years (669 Months)
Loveland = 47.75 Years (573 Months)
Pueblo = 34.75 Years (417 Months)
Thornton = 52.75 Years (633 Months)
Westminster = 50.75 Years (609 Months)
Windsor = 53.75 Years (645 Months)

Nomad™ Start with $0

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

Net Worth at 40 Years

Arvada = $4.56M
Aurora = $6.78M
Boulder = $3.56M
Centennial = $4.89M
Colorado Springs = $6.76M
Denver = $6.71M
Fort Collins = $11.59M
Greeley = $5.62M
Highlands Ranch = $3.79M
Lakewood = $4.75M
Loveland = $5.34M
Pueblo = $7.35M
Thornton = $5.09M
Westminster = $5.38M
Windsor = $4.96M

Month First Achieved Financial Independence

Arvada = 68.50 Years (822 Months)
Aurora = 53.33 Years (640 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 67.50 Years (810 Months)
Colorado Springs = 51.33 Years (616 Months)
Denver = 57.75 Years (693 Months)
Fort Collins = 36.75 Years (441 Months)
Greeley = 52.92 Years (635 Months)
Highlands Ranch = 83.42 Years (1001 Months)
Lakewood = 66.75 Years (801 Months)
Loveland = 55.83 Years (670 Months)
Pueblo = 41.75 Years (501 Months)
Thornton = 65.58 Years (787 Months)
Westminster = 61.67 Years (740 Months)
Windsor = 62.83 Years (754 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 = $5.90M
Aurora = $8.71M
Boulder = $4.70M
Centennial = $6.41M
Colorado Springs = $8.67M
Denver = $8.99M
Fort Collins = $14.87M
Greeley = $6.91M
Highlands Ranch = $4.79M
Lakewood = $6.14M
Loveland = $6.51M
Pueblo = $8.49M
Thornton = $6.48M
Westminster = $6.96M
Windsor = $6.31M

Month First Achieved Financial Independence

Arvada = 62.08 Years (745 Months)
Aurora = 48.42 Years (581 Months)
Boulder = 93.75 Years (1125 Months)
Centennial = 62.92 Years (755 Months)
Colorado Springs = 47.00 Years (564 Months)
Denver = 51.75 Years (621 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 50.08 Years (601 Months)
Highlands Ranch = 77.08 Years (925 Months)
Lakewood = 62.83 Years (754 Months)
Loveland = 53.25 Years (639 Months)
Pueblo = 38.42 Years (461 Months)
Thornton = 59.75 Years (717 Months)
Westminster = 57.33 Years (688 Months)
Windsor = 59.50 Years (714 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 = $9.44M
Aurora = $12.17M
Boulder = $10.00M
Centennial = $10.45M
Colorado Springs = $11.73M
Denver = $13.39M
Fort Collins = $17.80M
Greeley = $9.47M
Highlands Ranch = $8.67M
Lakewood = $9.65M
Loveland = $9.47M
Pueblo = $10.61M
Thornton = $9.76M
Westminster = $10.26M
Windsor = $9.82M

Month First Achieved Financial Independence

Arvada = 53.75 Years (645 Months)
Aurora = 43.83 Years (526 Months)
Boulder = 74.75 Years (897 Months)
Centennial = 53.83 Years (646 Months)
Colorado Springs = 43.33 Years (520 Months)
Denver = 45.75 Years (549 Months)
Fort Collins = 31.75 Years (381 Months)
Greeley = 45.75 Years (549 Months)
Highlands Ranch = 66.75 Years (801 Months)
Lakewood = 54.67 Years (656 Months)
Loveland = 47.75 Years (573 Months)
Pueblo = 37.33 Years (448 Months)
Thornton = 52.75 Years (633 Months)
Westminster = 49.75 Years (597 Months)
Windsor = 51.75 Years (621 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 = $8.22M
Boulder = $4.68M
Centennial = $6.07M
Colorado Springs = $8.49M
Denver = $8.57M
Fort Collins = $14.47M
Greeley = $7.09M
Highlands Ranch = $4.69M
Lakewood = $5.80M
Loveland = $6.61M
Pueblo = $8.84M
Thornton = $6.05M
Westminster = $6.52M
Windsor = $6.11M

Month First Achieved Financial Independence

Arvada = 64.75 Years (777 Months)
Aurora = 48.67 Years (584 Months)
Boulder = 93.67 Years (1124 Months)
Centennial = 63.75 Years (765 Months)
Colorado Springs = 45.75 Years (549 Months)
Denver = 50.75 Years (609 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 48.75 Years (585 Months)
Highlands Ranch = 78.75 Years (945 Months)
Lakewood = 63.00 Years (756 Months)
Loveland = 53.42 Years (641 Months)
Pueblo = 36.75 Years (441 Months)
Thornton = 58.75 Years (705 Months)
Westminster = 56.50 Years (678 Months)
Windsor = 58.75 Years (705 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 = $5.49M
Aurora = $7.99M
Boulder = $4.57M
Centennial = $5.90M
Colorado Springs = $7.88M
Denver = $8.03M
Fort Collins = $8.93M
Greeley = $6.36M
Highlands Ranch = $4.52M
Lakewood = $5.65M
Loveland = $6.07M
Pueblo = $6.22M
Thornton = $5.93M
Westminster = $6.31M
Windsor = $5.81M

Month First Achieved Financial Independence

Arvada = 60.17 Years (722 Months)
Aurora = 47.00 Years (564 Months)
Boulder = 87.58 Years (1051 Months)
Centennial = 60.25 Years (723 Months)
Colorado Springs = 45.42 Years (545 Months)
Denver = 50.42 Years (605 Months)
Fort Collins = 33.83 Years (406 Months)
Greeley = 47.33 Years (568 Months)
Highlands Ranch = 72.83 Years (874 Months)
Lakewood = 59.58 Years (715 Months)
Loveland = 50.67 Years (608 Months)
Pueblo = 37.33 Years (448 Months)
Thornton = 56.08 Years (673 Months)
Westminster = 54.42 Years (653 Months)
Windsor = 56.75 Years (681 Months)

Baseline Nomad™ Scenario

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

Net Worth at 40 Years

Arvada = $5.49M
Aurora = $7.99M
Boulder = $4.57M
Centennial = $5.90M
Colorado Springs = $7.88M
Denver = $8.03M
Fort Collins = $12.93M
Greeley = $6.36M
Highlands Ranch = $4.52M
Lakewood = $5.65M
Loveland = $6.07M
Pueblo = $8.13M
Thornton = $5.93M
Westminster = $6.31M
Windsor = $5.81M

Month First Achieved Financial Independence

Arvada = 64.33 Years (772 Months)
Aurora = 50.58 Years (607 Months)
Boulder = 95.92 Years (1151 Months)
Centennial = 63.75 Years (765 Months)
Colorado Springs = 48.75 Years (585 Months)
Denver = 54.75 Years (657 Months)
Fort Collins = 34.75 Years (417 Months)
Greeley = 50.75 Years (609 Months)
Highlands Ranch = 79.33 Years (952 Months)
Lakewood = 63.00 Years (756 Months)
Loveland = 53.75 Years (645 Months)
Pueblo = 39.75 Years (477 Months)
Thornton = 62.67 Years (752 Months)
Westminster = 58.58 Years (703 Months)
Windsor = 59.83 Years (718 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 = $5.03M
Aurora = $6.66M
Boulder = $4.51M
Centennial = $5.37M
Colorado Springs = $6.58M
Denver = $7.10M
Fort Collins = $11.14M
Greeley = $5.68M
Highlands Ranch = $4.28M
Lakewood = $5.07M
Loveland = $5.53M
Pueblo = $6.54M
Thornton = $5.22M
Westminster = $5.58M
Windsor = $5.27M

Month First Achieved Financial Independence

Arvada = 71.75 Years (861 Months)
Aurora = 56.50 Years (678 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 71.75 Years (861 Months)
Colorado Springs = 53.75 Years (645 Months)
Denver = 59.42 Years (713 Months)
Fort Collins = 39.75 Years (477 Months)
Greeley = 55.83 Years (670 Months)
Highlands Ranch = 87.75 Years (1053 Months)
Lakewood = 71.33 Years (856 Months)
Loveland = 58.75 Years (705 Months)
Pueblo = 45.75 Years (549 Months)
Thornton = 68.67 Years (824 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 66.75 Years (801 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 = $4.50M
Aurora = $4.80M
Boulder = $4.77M
Centennial = $4.56M
Colorado Springs = $4.81M
Denver = $4.84M
Fort Collins = $5.54M
Greeley = $4.70M
Highlands Ranch = $4.43M
Lakewood = $4.50M
Loveland = $4.62M
Pueblo = $4.93M
Thornton = $4.51M
Westminster = $4.55M
Windsor = $4.53M

Month First Achieved Financial Independence

Arvada = 61.33 Years (736 Months)
Aurora = 50.75 Years (609 Months)
Boulder = 85.75 Years (1029 Months)
Centennial = 61.75 Years (741 Months)
Colorado Springs = 47.92 Years (575 Months)
Denver = 53.83 Years (646 Months)
Fort Collins = 39.33 Years (472 Months)
Greeley = 47.75 Years (573 Months)
Highlands Ranch = 71.83 Years (862 Months)
Lakewood = 60.75 Years (729 Months)
Loveland = 51.50 Years (618 Months)
Pueblo = 38.67 Years (464 Months)
Thornton = 57.75 Years (693 Months)
Westminster = 56.75 Years (681 Months)
Windsor = 57.75 Years (693 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 = $6.08M
Aurora = $9.35M
Boulder = $4.88M
Centennial = $6.66M
Colorado Springs = $9.22M
Denver = $9.27M
Fort Collins = $15.35M
Greeley = $7.17M
Highlands Ranch = $5.01M
Lakewood = $6.32M
Loveland = $6.79M
Pueblo = $8.83M
Thornton = $6.65M
Westminster = $7.14M
Windsor = $6.62M

Month First Achieved Financial Independence

Arvada = 64.00 Years (768 Months)
Aurora = 47.67 Years (572 Months)
Boulder = 95.75 Years (1149 Months)
Centennial = 62.75 Years (753 Months)
Colorado Springs = 46.25 Years (555 Months)
Denver = 51.75 Years (621 Months)
Fort Collins = 33.08 Years (397 Months)
Greeley = 49.75 Years (597 Months)
Highlands Ranch = 76.17 Years (914 Months)
Lakewood = 62.75 Years (753 Months)
Loveland = 52.75 Years (633 Months)
Pueblo = 37.58 Years (451 Months)
Thornton = 59.75 Years (717 Months)
Westminster = 57.33 Years (688 Months)
Windsor = 57.92 Years (695 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 = $5.49M
Aurora = $7.99M
Boulder = $4.57M
Centennial = $5.90M
Colorado Springs = $7.88M
Denver = $8.03M
Fort Collins = $12.93M
Greeley = $6.36M
Highlands Ranch = $4.52M
Lakewood = $5.65M
Loveland = $6.07M
Pueblo = $7.88M
Thornton = $5.93M
Westminster = $6.31M
Windsor = $5.81M

Month First Achieved Financial Independence

Arvada = 64.33 Years (772 Months)
Aurora = 50.58 Years (607 Months)
Boulder = 95.92 Years (1151 Months)
Centennial = 63.75 Years (765 Months)
Colorado Springs = 48.75 Years (585 Months)
Denver = 54.75 Years (657 Months)
Fort Collins = 34.75 Years (417 Months)
Greeley = 49.67 Years (596 Months)
Highlands Ranch = 79.33 Years (952 Months)
Lakewood = 63.00 Years (756 Months)
Loveland = 53.00 Years (636 Months)
Pueblo = 38.42 Years (461 Months)
Thornton = 62.67 Years (752 Months)
Westminster = 58.58 Years (703 Months)
Windsor = 59.83 Years (718 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 = $5.53M
Aurora = $8.13M
Boulder = $4.68M
Centennial = $5.94M
Colorado Springs = $8.40M
Denver = $8.49M
Fort Collins = $14.78M
Greeley = $6.97M
Highlands Ranch = $4.66M
Lakewood = $5.69M
Loveland = $6.66M
Pueblo = $8.92M
Thornton = $5.92M
Westminster = $6.38M
Windsor = $6.00M

Month First Achieved Financial Independence

Arvada = 66.83 Years (802 Months)
Aurora = 49.75 Years (597 Months)
Boulder = 95.75 Years (1149 Months)
Centennial = 65.75 Years (789 Months)
Colorado Springs = 46.83 Years (562 Months)
Denver = 52.25 Years (627 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 49.50 Years (594 Months)
Highlands Ranch = 79.92 Years (959 Months)
Lakewood = 65.75 Years (789 Months)
Loveland = 52.75 Years (633 Months)
Pueblo = 37.75 Years (453 Months)
Thornton = 60.75 Years (729 Months)
Westminster = 57.83 Years (694 Months)
Windsor = 60.75 Years (729 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 = $5.33M
Aurora = $6.61M
Boulder = $4.68M
Centennial = $5.63M
Colorado Springs = $6.53M
Denver = $6.93M
Fort Collins = $7.79M
Greeley = $5.83M
Highlands Ranch = $4.69M
Lakewood = $5.41M
Loveland = $5.75M
Pueblo = $5.09M
Thornton = $5.50M
Westminster = $5.77M
Windsor = $5.53M

Month First Achieved Financial Independence

Arvada = 52.92 Years (635 Months)
Aurora = 41.75 Years (501 Months)
Boulder = 76.75 Years (921 Months)
Centennial = 52.75 Years (633 Months)
Colorado Springs = 40.58 Years (487 Months)
Denver = 44.58 Years (535 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 41.08 Years (493 Months)
Highlands Ranch = 64.25 Years (771 Months)
Lakewood = 52.75 Years (633 Months)
Loveland = 43.75 Years (525 Months)
Pueblo = 32.75 Years (393 Months)
Thornton = 49.75 Years (597 Months)
Westminster = 48.08 Years (577 Months)
Windsor = 49.58 Years (595 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 = $5.92M
Aurora = $8.60M
Boulder = $4.82M
Centennial = $6.44M
Colorado Springs = $8.45M
Denver = $8.66M
Fort Collins = $13.09M
Greeley = $6.79M
Highlands Ranch = $4.93M
Lakewood = $6.16M
Loveland = $6.48M
Pueblo = $8.22M
Thornton = $6.46M
Westminster = $6.81M
Windsor = $6.30M

Month First Achieved Financial Independence

Arvada = 62.25 Years (747 Months)
Aurora = 48.92 Years (587 Months)
Boulder = 93.75 Years (1125 Months)
Centennial = 61.50 Years (738 Months)
Colorado Springs = 47.50 Years (570 Months)
Denver = 51.75 Years (621 Months)
Fort Collins = 33.50 Years (402 Months)
Greeley = 49.50 Years (594 Months)
Highlands Ranch = 76.75 Years (921 Months)
Lakewood = 60.75 Years (729 Months)
Loveland = 52.33 Years (628 Months)
Pueblo = 37.75 Years (453 Months)
Thornton = 58.75 Years (705 Months)
Westminster = 55.00 Years (660 Months)
Windsor = 58.75 Years (705 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 = $5.13M
Aurora = $7.19M
Boulder = $4.55M
Centennial = $5.50M
Colorado Springs = $7.17M
Denver = $7.39M
Fort Collins = $11.68M
Greeley = $5.94M
Highlands Ranch = $4.24M
Lakewood = $5.21M
Loveland = $5.64M
Pueblo = $7.52M
Thornton = $5.49M
Westminster = $5.84M
Windsor = $5.42M

Month First Achieved Financial Independence

Arvada = 65.08 Years (781 Months)
Aurora = 53.00 Years (636 Months)
Boulder = 71.75 Years (861 Months)
Centennial = 65.75 Years (789 Months)
Colorado Springs = 50.75 Years (609 Months)
Denver = 55.25 Years (663 Months)
Fort Collins = 36.42 Years (437 Months)
Greeley = 50.92 Years (611 Months)
Highlands Ranch = 79.83 Years (958 Months)
Lakewood = 65.75 Years (789 Months)
Loveland = 55.75 Years (669 Months)
Pueblo = 40.75 Years (489 Months)
Thornton = 62.75 Years (753 Months)
Westminster = 60.75 Years (729 Months)
Windsor = 61.75 Years (741 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 = $6.64M
Aurora = $10.06M
Boulder = $5.25M
Centennial = $7.23M
Colorado Springs = $10.08M
Denver = $10.54M
Fort Collins = $17.01M
Greeley = $7.87M
Highlands Ranch = $5.43M
Lakewood = $7.01M
Loveland = $7.46M
Pueblo = $9.64M
Thornton = $7.37M
Westminster = $7.92M
Windsor = $7.28M

Month First Achieved Financial Independence

Arvada = 61.75 Years (741 Months)
Aurora = 46.75 Years (561 Months)
Boulder = 92.75 Years (1113 Months)
Centennial = 60.50 Years (726 Months)
Colorado Springs = 44.92 Years (539 Months)
Denver = 49.42 Years (593 Months)
Fort Collins = 30.33 Years (364 Months)
Greeley = 47.75 Years (573 Months)
Highlands Ranch = 75.58 Years (907 Months)
Lakewood = 61.17 Years (734 Months)
Loveland = 51.75 Years (621 Months)
Pueblo = 35.83 Years (430 Months)
Thornton = 58.25 Years (699 Months)
Westminster = 54.75 Years (657 Months)
Windsor = 57.75 Years (693 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 = $5.47M
Aurora = $7.91M
Boulder = $4.56M
Centennial = $5.87M
Colorado Springs = $8.14M
Denver = $8.22M
Fort Collins = $9.30M
Greeley = $6.54M
Highlands Ranch = $4.52M
Lakewood = $5.64M
Loveland = $6.21M
Pueblo = $6.84M
Thornton = $5.92M
Westminster = $6.26M
Windsor = $5.80M

Month First Achieved Financial Independence

Arvada = 57.75 Years (693 Months)
Aurora = 43.83 Years (526 Months)
Boulder = 90.83 Years (1090 Months)
Centennial = 60.08 Years (721 Months)
Colorado Springs = 41.50 Years (498 Months)
Denver = 47.33 Years (568 Months)
Fort Collins = 28.75 Years (345 Months)
Greeley = 44.08 Years (529 Months)
Highlands Ranch = 75.17 Years (902 Months)
Lakewood = 59.17 Years (710 Months)
Loveland = 47.92 Years (575 Months)
Pueblo = 33.42 Years (401 Months)
Thornton = 54.50 Years (654 Months)
Westminster = 50.83 Years (610 Months)
Windsor = 53.83 Years (646 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 = $4.28M
Aurora = $5.89M
Boulder = $4.16M
Centennial = $4.55M
Colorado Springs = $5.88M
Denver = $6.10M
Fort Collins = $9.53M
Greeley = $5.00M
Highlands Ranch = $3.64M
Lakewood = $4.39M
Loveland = $4.84M
Pueblo = $6.04M
Thornton = $4.51M
Westminster = $4.81M
Windsor = $4.57M

Month First Achieved Financial Independence

Arvada = 75.00 Years (900 Months)
Aurora = 58.75 Years (705 Months)
Boulder = 75.25 Years (903 Months)
Centennial = 74.75 Years (897 Months)
Colorado Springs = 54.67 Years (656 Months)
Denver = 60.25 Years (723 Months)
Fort Collins = 39.75 Years (477 Months)
Greeley = 57.50 Years (690 Months)
Highlands Ranch = 90.33 Years (1084 Months)
Lakewood = 74.00 Years (888 Months)
Loveland = 61.75 Years (741 Months)
Pueblo = 46.75 Years (561 Months)
Thornton = 69.75 Years (837 Months)
Westminster = 68.08 Years (817 Months)
Windsor = 69.75 Years (837 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)

.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 = $6.41M
Aurora = $9.68M
Boulder = $4.99M
Centennial = $6.87M
Colorado Springs = $9.48M
Denver = $10.10M
Fort Collins = $16.16M
Greeley = $7.59M
Highlands Ranch = $5.17M
Lakewood = $6.57M
Loveland = $7.04M
Pueblo = $9.54M
Thornton = $6.98M
Westminster = $7.64M
Windsor = $7.01M

Month First Achieved Financial Independence

Arvada = 61.75 Years (741 Months)
Aurora = 46.33 Years (556 Months)
Boulder = 92.75 Years (1113 Months)
Centennial = 62.75 Years (753 Months)
Colorado Springs = 45.67 Years (548 Months)
Denver = 49.58 Years (595 Months)
Fort Collins = 31.75 Years (381 Months)
Greeley = 47.83 Years (574 Months)
Highlands Ranch = 76.67 Years (920 Months)
Lakewood = 62.58 Years (751 Months)
Loveland = 52.75 Years (633 Months)
Pueblo = 36.67 Years (440 Months)
Thornton = 58.75 Years (705 Months)
Westminster = 54.75 Years (657 Months)
Windsor = 57.83 Years (694 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 = $5.31M
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 = $5.05M
Aurora = $7.09M
Boulder = $4.44M
Centennial = $5.23M
Colorado Springs = $7.15M
Denver = $6.90M
Fort Collins = $11.74M
Greeley = $6.18M
Highlands Ranch = $4.36M
Lakewood = $5.11M
Loveland = $5.83M
Pueblo = $8.29M
Thornton = $5.35M
Westminster = $5.69M
Windsor = $5.43M

Month First Achieved Financial Independence

Arvada = 70.17 Years (842 Months)
Aurora = 52.75 Years (633 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 69.75 Years (837 Months)
Colorado Springs = 49.75 Years (597 Months)
Denver = 56.75 Years (681 Months)
Fort Collins = 35.75 Years (429 Months)
Greeley = 52.42 Years (629 Months)
Highlands Ranch = 83.75 Years (1005 Months)
Lakewood = 69.33 Years (832 Months)
Loveland = 56.75 Years (681 Months)
Pueblo = 39.75 Years (477 Months)
Thornton = 64.00 Years (768 Months)
Westminster = 61.75 Years (741 Months)
Windsor = 64.75 Years (777 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 = $4.78M
Aurora = $6.83M
Boulder = $4.21M
Centennial = $5.14M
Colorado Springs = $6.96M
Denver = $6.64M
Fort Collins = $12.45M
Greeley = $5.87M
Highlands Ranch = $4.26M
Lakewood = $5.11M
Loveland = $5.51M
Pueblo = $7.89M
Thornton = $5.13M
Westminster = $5.44M
Windsor = $5.21M

Month First Achieved Financial Independence

Arvada = 72.75 Years (873 Months)
Aurora = 53.75 Years (645 Months)
Boulder = 0.00 Years (0 Months)
Centennial = 71.67 Years (860 Months)
Colorado Springs = 51.67 Years (620 Months)
Denver = 58.75 Years (705 Months)
Fort Collins = 35.75 Years (429 Months)
Greeley = 54.75 Years (657 Months)
Highlands Ranch = 85.75 Years (1029 Months)
Lakewood = 69.75 Years (837 Months)
Loveland = 60.75 Years (729 Months)
Pueblo = 40.75 Years (489 Months)
Thornton = 65.75 Years (789 Months)
Westminster = 64.75 Years (777 Months)
Windsor = 67.33 Years (808 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 = $5.49M
Aurora = $8.27M
Boulder = $4.57M
Centennial = $5.89M
Colorado Springs = $8.25M
Denver = $8.30M
Fort Collins = $13.06M
Greeley = $6.59M
Highlands Ranch = $4.52M
Lakewood = $5.64M
Loveland = $6.17M
Pueblo = $7.98M
Thornton = $5.96M
Westminster = $6.39M
Windsor = $5.82M

Month First Achieved Financial Independence

Arvada = 62.83 Years (754 Months)
Aurora = 45.83 Years (550 Months)
Boulder = 93.75 Years (1125 Months)
Centennial = 62.08 Years (745 Months)
Colorado Springs = 44.17 Years (530 Months)
Denver = 49.92 Years (599 Months)
Fort Collins = 29.92 Years (359 Months)
Greeley = 47.67 Years (572 Months)
Highlands Ranch = 77.00 Years (924 Months)
Lakewood = 61.50 Years (738 Months)
Loveland = 52.33 Years (628 Months)
Pueblo = 34.75 Years (417 Months)
Thornton = 56.75 Years (681 Months)
Westminster = 55.50 Years (666 Months)
Windsor = 58.50 Years (702 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% 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.
.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.
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 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% 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 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.
Nomad™ Start with $0 - Do the traditional Nomad™ strategy except you start with $0 saved up.
.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% 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.
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.
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.
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.
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.
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.
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).
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.
.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.
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.
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.
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.
.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.
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.