The long view: how your equity has built up, how the cash flow has paid you back, and how the portfolio compares against just dropping the same money in the S&P 500.
Stacked equity (down-payment + appreciation + loan paydown) with an alternative-investment benchmark overlaid.
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Equity by Property
Where the equity actually lives. Sorted high → low.
Cash Flow Over Time
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How to read it: each bar is the average monthly cash flow over
a six-month window, after rent, operating costs, and mortgage interest.
Principal payments are treated as equity build (they come back to you on sale or
refi), not a cash expense — that's why the bars climb steadily:
green when the portfolio pays you,
red when you feed it. Bars left of the dashed
"today" line are historical; softer bars to the right are projected forward
30 years assuming rents and operating costs hold. Amber dots mark the windows
in which a new property was acquired — that's where the bars step up because
new rent (minus new mortgage interest) joined the portfolio.
Portfolio LTV Trend
Loan balance ÷ portfolio value. 65% is the comfortable cash-out-refi zone; 80% is the conventional ceiling.
Equity Projection
Project each property forward at the chosen appreciation pace, with loans amortizing on schedule. Hold-period thought experiments.