🔨
Phase 1: Build the Foundation
This is the hustle phase. You and your partner contribute monthly alongside the property's profits to rapidly build your emergency fund safety net. Once complete, your contributions stop forever.
You
$100
+
Partner
$100
+
Property
$325
=
Monthly to Fund
$525
🎯 Fund Progress
Building your $12,000 safety net
23
months
Completion Date November 2027
Your Total Contribution $2,300
Partner's Total $2,300
Property Contributes $7,475
Your Investment
$2,300
$100 × 23 months
Fund Goal
$12,000
Emergency safety net
After This Phase
$0/mo
Your contributions
🫕
Phase 2: Let It Simmer
Your contributions are done! Now sit back and watch. The emergency fund earns interest, rents increase annually, and profits start stacking. Patience builds wealth.
You
$0
+
Partner
$0
+
Property Profit
$335 → $462
📈 Growing each year!
→
Savings (Year 7)
$28,000
📈 Watch Your Profit Grow Each Year
As 3% rent increases compound
Year 2
$335
+3%
Year 3
$384
+6%
Year 4
$395
+9%
Year 5
$414
+13%
Year 6
$437
+16%
Year 7
$462
+20%
Starting Profit (Year 2)
$335
/month
Ending Profit (Year 7)
$462
/month
💰 The Growth Engine
Everything working for you automatically
Emergency Fund
$12,000
Safe & earning 4.5%
Profit Growth
+42%
Over simmer phase
Savings Balance
$28k
End of Year 7
🏠 Rent Growth Breakdown
Watch both units increase with 3% annual raises
Year
Upstairs
Downstairs
Total Rent
Monthly Profit
Year 2
$927
$773
$1,700
$375
Year 3
$955
$796
$1,751
$426
Year 4
$983
$820
$1,803
$478
Year 5
$1,013
$845
$1,858
$533
Year 6
$1,043
$870
$1,913
$588
Year 7
$1,075
$896
$1,971
$646
🎯 Mortgage Paydown Simulator
Optional: Become debt-free faster
💭
Enable to simulate using profits to pay down the mortgage faster
🚀
Phase 3: Watch It Boil
This is where the magic happens. Compounding kicks into overdrive. Your profits have grown significantly from rent increases, and your savings account is generating serious interest. The pot is boiling over with wealth.
Monthly Profit
$1,386
+
Interest/mo
$380
=
Monthly Wealth Growth
$1,766
💰 Total Wealth Accumulated
The full picture after 20 years
Your Total Wealth
$142,000
From your $2,300 investment
6,074% ROI
Year 5
$18k
$414/mo
Year 10
$52k
$691/mo
Year 15
$95k
$1,010/mo
Year 20
$142k
$1,386/mo
Profit/yr
$16.6k
Year 20
📈 If You Reinvest
$142,000
Compounding works for you
💵 If You Take 2x/Year
$98,000
36 payouts taken
Compounding earns you an extra $44,000
🗺️ Your Complete Journey
20 years visualized
Start Fund Complete Year 7 Year 20
🔨 Build Phase
23
months of contributions
🫕 Simmer Phase
5
years of growth
🚀 Boil Phase
13
years of compounding