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+R6 Rate of Return
+R6 Reserves + Total Invested
Two-Input Ratio Reserves Risk Assessment Operating Expenses

+R6 Return in Dollars

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

Example Result

Sample Data
$183

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

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+R6 Return in Dollars Formula

One Month Reserves x 6 x 1%
One Month Reserves x 6 x 1%
$183

What This Means

A sample property priced at $385,000 with $2,850/month rent has a +r6 return in dollars of $183 at Purchase (Month 0). While the return is small, it represents money your reserves are earning rather than sitting idle. Over time and across multiple properties, even modest reserve returns add up. This also helps justify holding adequate reserves to skeptical partners.

Where This Value Comes From

+R6 Return in Dollars is not entered directly — it is calculated from One Month of Reserves, +R6 Months of Reserves, and +R6 Rate of Return. See the formula breakdown above and the detailed inputs below.

Inputs That Determine +R6 Return in Dollars

Calculations That Use +R6 Return in Dollars

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Why It Matters

While the return is small, it represents money your reserves are earning rather than sitting idle. Over time and across multiple properties, even modest reserve returns add up. This also helps justify holding adequate reserves to skeptical partners.

Detailed Explanation

The +R6 Return in Dollars calculates the annual income earned on your 6-month reserve fund. By multiplying the monthly reserve amount by 6 months and the 1% annual rate, you see the modest but real return your safety net generates.

Example

Sample Result
$169

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 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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