All products are digital products and are downloadable immediately after payment is received.

You will be able to download your purchase at your earliest convenience after payment has been processed.

All products use Microsoft Office based software.

  • If you are purchasing a eBook, the file type is a pdf file.
  • If you are purchasing an investment calculator, it is a Microsoft Excel based file.

Verify your computer, tablet or cell phone has supporting software to use these applications.


1. Each investment calculator is a Microsoft Excel based product and uses macros.

  • Macros allows you to use the 'Clear All" button on your calculator.
  • When you open your file for the first time, you should click 'Enable Content' at the top of the calculator and click YES to confirm it is a trusted document, in order to utilize the "Clear All" button.
  • If you want to clear all cells that require an entry in one click, you can click "Clear All" versus clicking inside each cell and selecting Delete.

2. Review and follow the instructions at the top of each calculator.

  • Note: Entering characters where there should be numbers only, will cause the calculator to not produce a result.

3. Each calculator will identify if there are dependent cells throughout the calculator. This means every cell requires an entry so that the final results are accurate.

  • Note: Where applicable, when the calculator is not entirely filled out, the results will not be accurate.
  • If a cell is not a dependent cell, it is identified on the calculator.

Save to your device as the file name that you desire.

If you are conducting investment projects, the files allow you to archive a system of records to review for educational purposes, or to collaborate with your team.

If you are using a laptop or desktop, use your mouse pad or mouse to point and click inside each cell.

  • Your cursor will then show inside that cell and you can enter your entry.
  • You can either use the Return/Enter button or your directional arrow keys, to proceed to the next cell or use your mouse again.
  • If you are using a tablet or cell phone, you will need to tap inside each cell where an entry is required, to select the cell and then proceed with your entry.

This is how you select each cell where an entry is required.

Note: Cells that do not require entries, will not allow you to select them. They are blocked.

Being digital downloads, we have a no return policy for our products.

Any one-on-ones, can be refunded or rescheduled accordingly.

  • Always communicate if you require any changes.

If a scheduled appointment is not met, you will receive an email to confirm rescheduling or canceling.

  • If no response is received with 5 business days, a refund will be issued.

A first time home buyer is any home buyer who hasn't owned a home in three years.

  • Start by preparing your credit, determining your affordability, interviewing for the best lender, getting your pre qualification and then partnering with a realtor to start shopping.
  • If you're looking to add a down payment assistance grant, you'll likely need to earn less than 80% of the median income in the county you'll purchase in, align the assistance programs best for you by finding the programs in your state and county and attending a home buyers class for the county you intend to purchase in.
  • Get your home buyer package here forΒ  preparation.

After confirming you are ready to own a home, by confirming stable income and length of employment for lender support, get your home buying investment calculator here.

There isn't another tool like this. It will take your budget and help you learn and compute every financial aspect of the home buying process.

  • Lender's DTI, your true DTI, your available funds before aligning your affordability using the mortgage calculator, your available funding after the mortgage, the ability to compute your rentability or house hacking plan, your cash needed out of pocket and your closing costs.

USDA and VA loans allow 100% financing. However, don't forget your closing costs! Some programs may assist with closing cost funds. So, inquire with your lender and seek out programs that support this.

There are home buyer assistance programs that provide assistance to cover the minimum down payment and sometimes closing costs. Locate the state websites to align your programs and lenders and get started!

First you need to become familiar with investment strategies. By knowing the multiple options there are, along with low to high barriers of entry, you can decide what works best for you today.

You need to get familiar with multiple options so you make the best use of your cash.

This will get you introduced to options. Next, you will need to educate yourself on the strategy you decide to pursue.

Real estate investing is a great application of investing due to the ability to leverage a tangible asset for use of debt (or borrowing). When you leverage debt, there are tax deferments you may become eligible for and if you buy right, you will have revenue above and beyond your total expenses.

This is called cash flow. The ability to create cash flow for the amount it costs to acquire leverage, is difficult to match.

Note: This doesn't mean real will provide you with the highest rate of return compared toother investments.

You will need to first identify ways to locate investment opportunities that fit this investment model.

This is commonly referred to as value add real estate investing.

  • You can renovate using bank products like a 203K, for owner occupants, and the HomeStyle Renovation Loan for non owner occupants.
  • Funding can also come from private and hard money lenders.

The most important aspects of understanding if your deals make sense is understanding how to compute your after-repair-value (ARV) and knowing the total repairs needed.

The BRRRR strategy stands for buy, renovate, rent, refinance and repeat.

  • The objective of this strategy is to purchase a property that will allow you to add value through the renovation and then rent the property for enough cash flow and equity that allows you to refinance and return your initial cash invested.
  • If done correctly, you will be able to continue this strategy non-stop.
  • Get your BRRRR tools today.

Yes, when you operate a rental business that houses occupants, there are depreciation costs that require your regular upkeep to maintain the conditions of the property.


Provided your assessments are accurate and you properly evaluate expenses to operate the business, you can profit well.

A cash flow analysis with proper assessment of all expenses is vital.

Your ROI (return on investment) depends on your ability to assess well.

It depends on how much you're looking to invest, your return expectations, how passive you want to be and when you prefer to liquidate.

REITs can fluctuate based upon interest rate changes and recommended hold periods are 3 years minimum.Β 

  • If you have $20,000 to invest, you could possibly buy a rental property for about $100,000 that will cash flow $200 per month. That would equate toΒ  approximately at 10% COC (cash on cash return)
  • If you place that $20,000, into a REIT earning 5% annually, it would cash flow $83.33 per month.
  • To create cash flow, real estate is the best due to the lower barrier of entry.
  • If cash flow is not important, stocks provide a better return over time with no cash flow. This is only true if you can average a rate of return that exceeds inflation.

Dollar cost averaging into stocks, with a average rate of return, provides much higher returns, compared to paying into a mortgage through real estate.

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