Missouri Real Estate Models
Check out how Missouri 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
- Columbia = $4.93M
- Independence = $11.58M
- Kansas City = $15.59M
- Springfield = $15.93M
- St Louis = $13.68M
Month First Achieved Financial Independence
- Columbia = 50.75 Years (609 Months)
- Independence = 22.75 Years (273 Months)
- Kansas City = 17.75 Years (213 Months)
- Springfield = 15.75 Years (189 Months)
- St Louis = 16.75 Years (201 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
- Columbia = $4.04M
- Independence = $9.06M
- Kansas City = $11.24M
- Springfield = $12.18M
- St Louis = $11.78M
Month First Achieved Financial Independence
- Columbia = 56.17 Years (674 Months)
- Independence = 30.75 Years (369 Months)
- Kansas City = 26.00 Years (312 Months)
- Springfield = 22.92 Years (275 Months)
- St Louis = 21.75 Years (261 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
- Columbia = $3.75M
- Independence = $7.85M
- Kansas City = $8.15M
- Springfield = $10.74M
- St Louis = $10.99M
Month First Achieved Financial Independence
- Columbia = 54.75 Years (657 Months)
- Independence = 32.75 Years (393 Months)
- Kansas City = 30.75 Years (369 Months)
- Springfield = 26.75 Years (321 Months)
- St Louis = 23.08 Years (277 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
- Columbia = $3.75M
- Independence = $7.85M
- Kansas City = $8.15M
- Springfield = $10.74M
- St Louis = $10.99M
Month First Achieved Financial Independence
- Columbia = 54.75 Years (657 Months)
- Independence = 32.75 Years (393 Months)
- Kansas City = 30.75 Years (369 Months)
- Springfield = 26.75 Years (321 Months)
- St Louis = 23.08 Years (277 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
- Columbia = $17.87M
- Independence = $25.63M
- Kansas City = $37.33M
- Springfield = $33.70M
- St Louis = $28.14M
Month First Achieved Financial Independence
- Columbia = 18.75 Years (225 Months)
- Independence = 8.75 Years (105 Months)
- Kansas City = 7.42 Years (89 Months)
- Springfield = 7.25 Years (87 Months)
- St Louis = 7.83 Years (94 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
- Columbia = $5.97M
- Independence = $12.53M
- Kansas City = $16.94M
- Springfield = $16.17M
- St Louis = $13.71M
Month First Achieved Financial Independence
- Columbia = 47.75 Years (573 Months)
- Independence = 20.75 Years (249 Months)
- Kansas City = 15.17 Years (182 Months)
- Springfield = 15.58 Years (187 Months)
- St Louis = 16.33 Years (196 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
- Columbia = $4.03M
- Independence = $9.17M
- Kansas City = $10.74M
- Springfield = $12.11M
- St Louis = $12.11M
Month First Achieved Financial Independence
- Columbia = 53.75 Years (645 Months)
- Independence = 29.75 Years (357 Months)
- Kansas City = 25.75 Years (309 Months)
- Springfield = 23.08 Years (277 Months)
- St Louis = 20.75 Years (249 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
- Columbia = $2.60M
- Independence = $8.49M
- Kansas City = $10.07M
- Springfield = $12.03M
- St Louis = $11.44M
Month First Achieved Financial Independence
- Columbia = 60.00 Years (720 Months)
- Independence = 31.67 Years (380 Months)
- Kansas City = 27.75 Years (333 Months)
- Springfield = 22.75 Years (273 Months)
- St Louis = 21.67 Years (260 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
- Columbia = $12.11M
- Independence = $19.26M
- Kansas City = $27.57M
- Springfield = $25.54M
- St Louis = $21.29M
Month First Achieved Financial Independence
- Columbia = 30.75 Years (369 Months)
- Independence = 11.67 Years (140 Months)
- Kansas City = 9.17 Years (110 Months)
- Springfield = 9.25 Years (111 Months)
- St Louis = 9.75 Years (117 Months)
Nomad™ Start with $0
Do the traditional Nomad™ strategy except you start with $0 saved up.
Net Worth at 40 Years
- Columbia = $4.16M
- Independence = $9.98M
- Kansas City = $13.00M
- Springfield = $13.50M
- St Louis = $12.14M
Month First Achieved Financial Independence
- Columbia = 54.58 Years (655 Months)
- Independence = 27.17 Years (326 Months)
- Kansas City = 22.58 Years (271 Months)
- Springfield = 20.17 Years (242 Months)
- St Louis = 19.75 Years (237 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
- Columbia = $6.90M
- Independence = $14.10M
- Kansas City = $19.68M
- Springfield = $18.41M
- St Louis = $15.47M
Month First Achieved Financial Independence
- Columbia = 44.75 Years (537 Months)
- Independence = 18.17 Years (218 Months)
- Kansas City = 13.42 Years (161 Months)
- Springfield = 13.75 Years (165 Months)
- St Louis = 14.17 Years (170 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
- Columbia = $5.63M
- Independence = $13.23M
- Kansas City = $18.03M
- Springfield = $17.32M
- St Louis = $14.64M
Month First Achieved Financial Independence
- Columbia = 46.75 Years (561 Months)
- Independence = 19.75 Years (237 Months)
- Kansas City = 14.75 Years (177 Months)
- Springfield = 14.17 Years (170 Months)
- St Louis = 14.75 Years (177 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
- Columbia = $4.73M
- Independence = $10.79M
- Kansas City = $14.01M
- Springfield = $14.66M
- St Louis = $12.99M
Month First Achieved Financial Independence
- Columbia = 51.00 Years (612 Months)
- Independence = 24.75 Years (297 Months)
- Kansas City = 19.75 Years (237 Months)
- Springfield = 18.75 Years (225 Months)
- St Louis = 18.42 Years (221 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
- Columbia = $6.29M
- Independence = $12.33M
- Kansas City = $16.14M
- Springfield = $16.41M
- St Louis = $14.58M
Month First Achieved Financial Independence
- Columbia = 47.75 Years (573 Months)
- Independence = 25.75 Years (309 Months)
- Kansas City = 20.00 Years (240 Months)
- Springfield = 18.75 Years (225 Months)
- St Louis = 19.08 Years (229 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
- Columbia = $4.77M
- Independence = $9.89M
- Kansas City = $13.26M
- Springfield = $12.82M
- St Louis = $11.52M
Month First Achieved Financial Independence
- Columbia = 52.33 Years (628 Months)
- Independence = 26.33 Years (316 Months)
- Kansas City = 20.67 Years (248 Months)
- Springfield = 19.75 Years (237 Months)
- St Louis = 19.75 Years (237 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
- Columbia = $4.50M
- Independence = $10.42M
- Kansas City = $13.65M
- Springfield = $14.16M
- St Louis = $12.67M
Month First Achieved Financial Independence
- Columbia = 48.25 Years (579 Months)
- Independence = 26.25 Years (315 Months)
- Kansas City = 21.58 Years (259 Months)
- Springfield = 19.25 Years (231 Months)
- St Louis = 18.75 Years (225 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
- Columbia = $4.03M
- Independence = $8.00M
- Kansas City = $10.56M
- Springfield = $11.18M
- St Louis = $10.67M
Month First Achieved Financial Independence
- Columbia = 56.50 Years (678 Months)
- Independence = 33.17 Years (398 Months)
- Kansas City = 29.75 Years (357 Months)
- Springfield = 26.75 Years (321 Months)
- St Louis = 25.42 Years (305 Months)
Baseline Nomad™ Scenario
Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
Net Worth at 40 Years
- Columbia = $4.50M
- Independence = $10.42M
- Kansas City = $13.65M
- Springfield = $14.16M
- St Louis = $12.67M
Month First Achieved Financial Independence
- Columbia = 52.67 Years (632 Months)
- Independence = 26.25 Years (315 Months)
- Kansas City = 21.58 Years (259 Months)
- Springfield = 19.25 Years (231 Months)
- St Louis = 18.75 Years (225 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
- Columbia = $4.08M
- Independence = $4.60M
- Kansas City = $4.68M
- Springfield = $4.94M
- St Louis = $4.83M
Month First Achieved Financial Independence
- Columbia = 49.17 Years (590 Months)
- Independence = 29.75 Years (357 Months)
- Kansas City = 27.75 Years (333 Months)
- Springfield = 27.58 Years (331 Months)
- St Louis = 25.75 Years (309 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
- Columbia = $4.82M
- Independence = $11.15M
- Kansas City = $14.60M
- Springfield = $15.14M
- St Louis = $12.98M
Month First Achieved Financial Independence
- Columbia = 50.75 Years (609 Months)
- Independence = 24.50 Years (294 Months)
- Kansas City = 18.92 Years (227 Months)
- Springfield = 17.75 Years (213 Months)
- St Louis = 18.00 Years (216 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
- Columbia = $4.50M
- Independence = $10.42M
- Kansas City = $13.65M
- Springfield = $14.16M
- St Louis = $12.67M
Month First Achieved Financial Independence
- Columbia = 48.00 Years (576 Months)
- Independence = 26.25 Years (315 Months)
- Kansas City = 21.58 Years (259 Months)
- Springfield = 19.25 Years (231 Months)
- St Louis = 18.75 Years (225 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
- Columbia = $4.63M
- Independence = $10.13M
- Kansas City = $13.59M
- Springfield = $13.19M
- St Louis = $11.75M
Month First Achieved Financial Independence
- Columbia = 53.75 Years (645 Months)
- Independence = 26.75 Years (321 Months)
- Kansas City = 20.75 Years (249 Months)
- Springfield = 20.25 Years (243 Months)
- St Louis = 20.42 Years (245 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
- Columbia = $4.55M
- Independence = $6.43M
- Kansas City = $7.60M
- Springfield = $7.54M
- St Louis = $7.23M
Month First Achieved Financial Independence
- Columbia = 43.75 Years (525 Months)
- Independence = 27.75 Years (333 Months)
- Kansas City = 23.75 Years (285 Months)
- Springfield = 23.75 Years (285 Months)
- St Louis = 22.75 Years (273 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
- Columbia = $4.77M
- Independence = $10.79M
- Kansas City = $13.99M
- Springfield = $14.61M
- St Louis = $13.17M
Month First Achieved Financial Independence
- Columbia = 51.08 Years (613 Months)
- Independence = 25.75 Years (309 Months)
- Kansas City = 20.75 Years (249 Months)
- Springfield = 18.75 Years (225 Months)
- St Louis = 18.67 Years (224 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
- Columbia = $5.12M
- Independence = $11.55M
- Kansas City = $15.36M
- Springfield = $15.44M
- St Louis = $13.27M
Month First Achieved Financial Independence
- Columbia = 49.75 Years (597 Months)
- Independence = 23.00 Years (276 Months)
- Kansas City = 17.75 Years (213 Months)
- Springfield = 16.75 Years (201 Months)
- St Louis = 17.75 Years (213 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
- Columbia = $3.67M
- Independence = $7.76M
- Kansas City = $9.14M
- Springfield = $10.45M
- St Louis = $10.44M
Month First Achieved Financial Independence
- Columbia = 58.42 Years (701 Months)
- Independence = 33.67 Years (404 Months)
- Kansas City = 31.25 Years (375 Months)
- Springfield = 27.75 Years (333 Months)
- St Louis = 25.17 Years (302 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
- Columbia = $4.47M
- Independence = $7.75M
- Kansas City = $10.46M
- Springfield = $11.46M
- St Louis = $10.79M
Month First Achieved Financial Independence
- Columbia = 50.00 Years (600 Months)
- Independence = 21.00 Years (252 Months)
- Kansas City = 19.17 Years (230 Months)
- Springfield = 16.92 Years (203 Months)
- St Louis = 16.25 Years (195 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
- Columbia = $4.29M
- Independence = $9.81M
- Kansas City = $12.50M
- Springfield = $13.41M
- St Louis = $12.59M
Month First Achieved Financial Independence
- Columbia = 53.75 Years (645 Months)
- Independence = 28.33 Years (340 Months)
- Kansas City = 23.75 Years (285 Months)
- Springfield = 20.75 Years (249 Months)
- St Louis = 19.75 Years (237 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
- Columbia = $4.98M
- Independence = $11.17M
- Kansas City = $15.11M
- Springfield = $15.34M
- St Louis = $13.17M
Month First Achieved Financial Independence
- Columbia = 49.83 Years (598 Months)
- Independence = 23.92 Years (287 Months)
- Kansas City = 18.50 Years (222 Months)
- Springfield = 16.75 Years (201 Months)
- St Louis = 17.75 Years (213 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
- Columbia = $3.92M
- Independence = $3.85M
- Kansas City = $3.88M
- Springfield = $3.87M
- St Louis = $3.83M
Month First Achieved Financial Independence
- Columbia = 48.83 Years (586 Months)
- Independence = 45.17 Years (542 Months)
- Kansas City = 45.00 Years (540 Months)
- Springfield = 45.08 Years (541 Months)
- St Louis = 45.25 Years (543 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
- Columbia = $4.36M
- Independence = $4.80M
- Kansas City = $5.07M
- Springfield = $5.03M
- St Louis = $4.97M
Month First Achieved Financial Independence
- Columbia = 43.58 Years (523 Months)
- Independence = 35.25 Years (423 Months)
- Kansas City = 32.00 Years (384 Months)
- Springfield = 32.58 Years (391 Months)
- St Louis = 34.17 Years (410 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
- Columbia = $4.42M
- Independence = $8.69M
- Kansas City = $11.08M
- Springfield = $10.98M
- St Louis = $10.09M
Month First Achieved Financial Independence
- Columbia = 56.33 Years (676 Months)
- Independence = 26.75 Years (321 Months)
- Kansas City = 21.75 Years (261 Months)
- Springfield = 21.33 Years (256 Months)
- St Louis = 20.75 Years (249 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
- Columbia = $4.11M
- Independence = $8.98M
- Kansas City = $11.71M
- Springfield = $11.32M
- St Louis = $10.34M
Month First Achieved Financial Independence
- Columbia = 57.75 Years (693 Months)
- Independence = 27.75 Years (333 Months)
- Kansas City = 21.75 Years (261 Months)
- Springfield = 21.75 Years (261 Months)
- St Louis = 20.75 Years (249 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
- Columbia = $4.51M
- Independence = $9.07M
- Kansas City = $12.81M
- Springfield = $13.26M
- St Louis = $11.48M
Month First Achieved Financial Independence
- Columbia = 49.75 Years (597 Months)
- Independence = 21.25 Years (255 Months)
- Kansas City = 17.92 Years (215 Months)
- Springfield = 16.75 Years (201 Months)
- St Louis = 15.92 Years (191 Months)
More Model Comparisons for Missouri
The following are the various scenarios we ran summarized with Missouri 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 Missouri Cities
The following are the various scenarios we ran summarized with Missouri 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.
- 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.
- 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 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.
- Nomad™ Start with $0 - Do the traditional Nomad™ strategy except you start with $0 saved up.
- 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.
- .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.
- 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.
- Baseline Nomad™ Scenario - Buy up to 10 owner-occupant properties using the Nomad™ real estate investing strategy.
- 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.
- 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.
- 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.
- 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.
- .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 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.
- 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.
- 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.
Detailed Missouri City-Specific Modeling
Check out the detailed modeling for these Missouri cities.
ColumbiaIndependence
Kansas City
Springfield
St Louis