Full 30-year projections

Year-by-year model with rent growth, appreciation, and rising taxes & insurance — plus three milestones: stable, profitable, worth it.

Now modeling year-by-year projections per the 30-year market research: rent growth 2.5%/yr from Y3, appreciation 3.0–3.5%/yr, taxes & insurance 4%/yr. Realistic $288/mo combined insurance (HOI $254 + flood $33 per actual quote).

Three thresholds for "is this working"

Stable

—

Rents cover all debt service

Profitable

—

Cumulative personal cash ≥ 0

Worth it

—

Net wealth ≥ $200K

Extra to HELOC from personal funds$500/mo

Property cash flow → HELOC100%

Refinance mortgage in monthNo refi

New refinance rate6.50%

1. Loan balances over 30 years

Mortgage HELOC 78% LTV (PMI off)

2. Cumulative HELOC interest paid

3. Monthly cash flow (rents grow 2.5%/yr from Y3)

Property cash flow (rents − PITI) Net after HELOC

4. Property value and equity

Property value (3.5%/yr appreciation) Equity (value − mortgage)

5. Net wealth — the "worth it" view

Total net wealth = Olmos equity + cumulative personal cash position − HELOC balance. Three vertical markers show when the deal hits each milestone.

Net wealth Cumulative personal cash Stable Profitable Worth it

HELOC paid off

—

Total interest paid

Year 10 net wealth

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Equity + cash − HELOC

Year 30 net wealth

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Terminal value

Adjusting sliders updates all five charts and three milestones in real time.

Full 30-year projections

Comprehensive 30-year projection dashboard for the Olmos duplex showing loan amortization, cumulative interest, monthly cash flow with growing rents, property equity, and total net wealth with three milestone markers for when the investment becomes stable, profitable, and worth it.