Sample rental portfolio
Explore fake rental data, scenario comparisons, cash flow, and net worth before entering your own numbers.
FIRE Progress
25.43%
Net Worth
$667,000
Total Assets
$1,368,000
Total Debt
$701,000
Rental Equity
$355,000
Monthly Cash Flow
$3,571
Rental Properties
Three rentals with different roles: one low-rate keeper, one high-rate paydown candidate, and one equity redeployment candidate.
Maple Street duplex
Value
$315,000
Equity
$147,000
Rent
$2,850
Cash flow
$926
3.25% loan and strong cash flow: never selling this one.
Oakwood single-family
Value
$255,000
Equity
$59,000
Rent
$2,050
Cash flow
-$207
Bought at a 7.25% rate; barely breaks even until the loan shrinks.
Cedar Court rental
Value
$238,000
Equity
$149,000
Rent
$1,895
Cash flow
$451
Only $89k left on the loan - equity that could be redeployed.
Advisor Recommendation
Recommended scenario
Kill the 7.25% mortgage
"Kill the 7.25% mortgage" ranks highest for expense coverage from passive income. It reaches expense coverage from passive income in 13.8 years, sooner than the other scenarios. It also has the fewest identified risk flags among the scenarios.
Educational planning only—not individualized financial, investment, legal, tax, or lending advice. Review the assumptions and consult qualified professionals before acting. Read the full disclaimer.
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Scenario Comparison
| Scenario | Move | Ending net worth | Cash flow | FIRE timing |
|---|---|---|---|---|
Current path Baseline | Current path (no planned moves) | $11,980,944 Baseline | $12,108 Baseline | Same timing |
Buy the next rental | Buy rental | $12,326,072 +$345,128 | $14,974 +$2,865 | 8 months later |
Kill the 7.25% mortgage | Payoff | $12,013,468 +$32,525 | $12,108 Baseline | 1.5 years earlier |
Refi Cedar Court and buy | Cash-out refi, Buy rental | $11,063,910 -$917,034 | $12,628 +$519 | 3.1 years later |
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