+R6 Months of Reserves

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

Example Result

Sample Data

6.00

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

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+R6 Months of Reserves Formula

6 months (fixed)

6 months (fixed)

6.00

Calculations That Use +R6 Months of Reserves

+R6 Return in Dollars

Reserves

$183

Purchase

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Why It Matters

Six months of reserves is the gold standard for rental property investors. It covers the typical time to find a new tenant, handle a major repair, or weather a few months of economic uncertainty without dipping into personal funds or being forced to sell.

Detailed Explanation

The +R6 reserve scenario models a conservative 6-month reserve fund held in a low-yield savings or money market account. Six months of reserves is the most common lender requirement and provides a safety net for vacancies, repairs, and economic downturns.

Example

Sample Result

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

Related Calculations

One Month of Reserves

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

$3,043 Example

6-Month Reserves

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

$18,257 Example

+R6 Rate of Return

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

1.00% Example

+R6 Return in Dollars

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

$183 Example

+R6 Reserves + Total Invested

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

$88,733 Example

+R12 Months of Reserves

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

12.00 Example

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