Build a personalized retirement plan using real estate. Factor in your pension, existing portfolio, loan type, and BRRRR strategy to see your exact path to financial freedom.
Step 1 — Your Situation
💰
Overtime Income
4
$
$
Auto-fills from above — or override manually
🏛️
Pension & Existing Income
$
Enter your expected pension. This reduces how much real estate income you need.
#
$
Combined monthly net cash flow from properties you already own.
⚡ BRRRR allows you to pull equity out of a property after it appreciates and apply it as a down payment on your next purchase — accelerating how fast you can grow your portfolio without needing new capital each time.
📋 Retirement Income Breakdown
Monthly OT Income to Replace$6,000
Less: Expected Pension Income— $0
Less: Existing Portfolio Cash Flow— $0
Real Estate Gap to Fill$6,000/mo
Properties Needed
—
additional properties to buy
Properties / Year
—
to hit retirement goal
Total Cash to Deploy
—
total down payments
Portfolio Value at Retirement
—
est. at appreciation rate
Total Monthly Income at Retirement
—
real estate + pension
Total Equity at Retirement
—
appreciation + paydown
📈 Portfolio Growth Timeline
⚖️ Important Disclosures
This calculator is provided for educational and informational purposes only and does not constitute financial, investment, legal, or tax advice. All projections are estimates based on user-inputted assumptions and historical averages — actual results will vary significantly and are not guaranteed. Real estate investing involves substantial risk, including the possible loss of principal. Rental income, property values, appreciation rates, and market conditions can fluctuate and are not guaranteed.
Past performance of real estate markets is not indicative of future results. Rent growth, appreciation, and principal paydown figures used in this tool are based on national historical averages and may not reflect conditions in your local market. This calculator does not account for taxes, transaction costs, capital expenditures, extended vacancies, or other expenses that may materially impact returns. Pension estimates are provided by the user and are not verified or guaranteed.
This tool is not a commitment to lend and does not constitute a loan application, pre-approval, or pre-qualification. Mortgage financing is subject to credit approval, income verification, and lender guidelines. Interest rates shown are for illustrative purposes only and are subject to change without notice. DSCR loan terms, requirements, and availability vary by lender.
Maltese Mortgage and its representatives are licensed mortgage loan originators, not licensed financial advisors, investment advisors, or real estate brokers. Please consult a qualified financial advisor, CPA, real estate attorney, or licensed investment professional before making any real estate investment decisions. Licensed by the California Department of Financial Protection and Innovation.
