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+R12 Rate of Return
+R12 Reserves + Total Invested
Two-Input Ratio Reserves Risk Assessment Operating Expenses

+R12 Return in Dollars

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

Example Result

Sample Data
$2,921

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%
$2,921

What This Means

A sample property priced at $385,000 with $2,850/month rent has a +r12 return in dollars of $2,921 at Purchase (Month 0). 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.

Inputs That Determine +R12 Return in Dollars

Calculations That Use +R12 Return in Dollars

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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.

Example

Sample Result
$2,707

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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