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+R6 Return in Dollars
+R12 Months of Reserves
Two-Input Ratio Reserves Risk Assessment Operating Expenses

+R6 Reserves + Total Invested

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

Example Result

Sample Data
$88,733

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

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+R6 Reserves + Total Invested Formula

+R6 Return in Dollars + Total Cash Invested
+R6 Return in Dollars $183
+ Total Cash Invested $110,830
= +R6 Reserves + Total Invested $88,733

What This Means

A sample property priced at $385,000 with $2,850/month rent has a +r6 reserves + total invested of $88,733 at Purchase (Month 0). Many investors calculate returns based only on the property investment, ignoring the cash tied up in reserves. This metric ensures you account for ALL capital deployed when evaluating returns. A deal that looks great on paper might be less attractive when you factor in the reserve requirement.

Where This Value Comes From

+R6 Reserves + Total Invested is not entered directly — it is calculated from +R6 Return in Dollars and Total Cash Invested. See the formula breakdown above and the detailed inputs below.

Inputs That Determine +R6 Reserves + Total Invested

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Why It Matters

Many investors calculate returns based only on the property investment, ignoring the cash tied up in reserves. This metric ensures you account for ALL capital deployed when evaluating returns. A deal that looks great on paper might be less attractive when you factor in the reserve requirement.

Detailed Explanation

+R6 Reserves + Total Invested adds the annual return from your 6-month reserve fund to your total cash invested in the property. This gives you the complete picture of capital required to properly invest in a rental property with adequate reserves.

Example

Sample Result
$96,369

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

+R12 Months of Reserves

1

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

12.00 Example

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