Four-Stream Breakdown
See appreciation, cash flow, debt paydown, and tax benefits as both dollars (RIDQ™) and percentages (ROIQ™) — the complete picture of how real estate builds wealth.
Year 1 Return Quadrants™
$385,000 property — 25% down, 7% rate, $2,200/mo rent.
Return in Dollars Quadrant™ (RIDQ™)
Appreciation
$11,550
Cash Flow
-$9,942
Debt Paydown
$2,933
Tax Benefits
$2,688
Total
$7,229
Return in Dollars Quadrant™ from RealEstateFinancialPlanner.com
Return on Investment Quadrant™ (ROIQ™)
Appreciation
10.24%
Cash Flow
0.00%
Debt Paydown
2.60%
Tax Benefits
2.38%
Total ROI
6.41%
Return on Investment Quadrant™ from RealEstateFinancialPlanner.com
Understanding the Four Streams
Appreciation
Property value growth over time. At 3% annual appreciation on a $385K property, that's $11,550 in Year 1.
Cash Flow
Net rental income after all expenses, vacancy, and mortgage. Your Year 1 CFBT is -$9,942.
Debt Paydown
Principal reduction your tenants pay for you each year. Year 1 paydown is $2,933, accelerating every year.
Tax Benefits
Cash Flow from Depreciation™ — the tax savings from depreciation that put real cash back in your pocket: $2,688/yr.
How the Four Streams Grow Over Time
Return in Dollars Quadrant™ — Years 1 through 10.
See Your Four Return Streams
Run the complete analysis on your own property and see all four quadrants — RIDQ™, ROIQ™, ROEQ™, and ROTNEQ™.