+R12 Return in Dollars

Annual dollar return earned on a 12-month reserve fund at 8%.

Example Result

Sample Data

$2,939

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

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+R12 Return in Dollars Formula

One Month Reserves x 12 x 8%

One Month Reserves x 12 x 8%

$2,939

What This Means

A sample property priced at $385,000 with $2,850/month rent has a +r12 return in dollars of $2,939. Compare +R12 Return ($2,707) to +R6 Return ($169) — the difference is dramatic. Investing reserves at 8% instead of 1% generates 16x more income. For portfolio investors with adequate liquidity, the +R12 strategy can add meaningful returns.

Where This Value Comes From

+R12 Return in Dollars is not entered directly — it is calculated from One Month of Reserves. See the formula breakdown above and the detailed inputs below.

Calculated From

+R12 Return in Dollars is calculated using these inputs:

One Month of Reserves

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

$3,061

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Why It Matters

Compare +R12 Return ($2,707) to +R6 Return ($169) — the difference is dramatic. Investing reserves at 8% instead of 1% generates 16x more income. For portfolio investors with adequate liquidity, the +R12 strategy can add meaningful returns.

Detailed Explanation

The +R12 Return in Dollars calculates the annual income earned on your 12-month reserve fund at an 8% return. This represents the significant income potential of reserves when invested strategically rather than left in a savings account.