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+R6 Months of Reserves
+R6 Return in Dollars
Single Input Reserves Risk Assessment Operating Expenses

+R6 Rate of Return

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

Example Result

Sample Data
1.00%

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

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+R6 Rate of Return Formula

1% (savings account rate)
1% (savings account rate)
1.00%

Calculations That Use +R6 Rate of Return

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Why It Matters

Reserve funds should be liquid and safe — this is emergency money, not investment capital. A 1% return reflects the reality that safety and liquidity come at the cost of lower returns. The small return partially offsets the opportunity cost of holding cash.

Detailed Explanation

The +R6 Rate of Return models the yield on a conservative 6-month reserve fund held in a savings account or money market fund. At 1%, this represents the opportunity cost of keeping cash liquid and immediately accessible.

Example

Sample Result
1.00%

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 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

+R12 Months of Reserves

1

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

12.00 Example

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