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+R6 Reserves + Total Invested
+R12 Rate of Return
Single Input Reserves Risk Assessment Operating Expenses

+R12 Months of Reserves

Number of months in the aggressive reserve scenario (12 months).

Example Result

Sample Data
12.00

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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+R12 Months of Reserves Formula

12 months (fixed)
12 months (fixed)
12.00

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Why It Matters

Twelve months of reserves provides maximum security and allows you to invest the reserves more aggressively since you have a longer runway before needing the funds. This approach works best for investors with multiple properties who can absorb short-term losses.

Detailed Explanation

The +R12 reserve scenario models a 12-month reserve fund invested in a higher-yield vehicle like a bond fund, CD ladder, or diversified portfolio. With a longer time horizon, you can accept more volatility for higher returns.

Example

Sample Result
12

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

Related Calculations

One Month of Reserves

2

Monthly amount needed for one month of operating expenses, debt service, and PMI.

$3,043 Example

6-Month Reserves

U

Six months of operating reserves: enough to cover expenses, debt service, and PMI for half a year.

$18,257 Example

+R6 Months of Reserves

1

Number of months in the conservative reserve scenario (6 months).

6.00 Example

+R6 Rate of Return

1

Expected annual return on a 6-month reserve fund (1% — savings account).

1.00% Example

+R6 Return in Dollars

2

Annual dollar return earned on a 6-month reserve fund at 1%.

$183 Example

+R6 Reserves + Total Invested

2

Total capital deployed including both the property investment and 6-month reserves.

$88,733 Example

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