Plan builder

How the engine works

• Each year: pay is saved, net rent comes in, loan payments go out, and a rough tax is paid on rental profit.
• While building: rehab-and-refinance deals first (bought for cash, refinanced at 75% of value), then ordinary purchases with the down payment entered. A house is bought only if rent covers the payment, taxes and insurance by the coverage entered.
• Reserves are held back before any purchase. After the standard-loan limit, the rental-income loan rate applies.
• From the payoff age: no buying; all cash above reserves pays the highest-rate loan first. Once debt-free, houses are bought for cash up to the goal.
• The yearly gate uses the thresholds on the controls page: red if portfolio coverage is under 1.2, loan-to-value is over 75% or cash falls below the reserve policy; amber at 1.35 and 65%.
• The fictional example turns red in several early and late years. That is the controls doing their job: the purchase screen alone is looser than the portfolio rules.