The 4 Wealth Streams from One Duplex That Transformed Emily’s Finances
- By Jim Blackburn
- on
Client Profile:
- Name: Emily
- Age: 35
- Occupation: ER nurse
- Goal: Replace income from night shifts within 10 years
- Location: Richmond, VA
The Situation
Emily wanted to invest in real estate, but she was overwhelmed by the jargon and didn’t think she had time to manage properties. When we introduced her to the concept of real estate’s 4 wealth streams, everything clicked.
She decided to purchase a duplex, live in one unit, and rent the other. We guided her through the numbers using the ROI Breakdown Template to show her all the ways her investment would pay her back.
The Property & Financing
- Purchase Price: $385,000
- Down Payment: 5% ($19,250)
- Loan Type: Conventional
- Monthly Mortgage (PITI): $2,350
- Monthly Rent (1 unit): $1,450
The 4 Wealth Streams in Action (Year 1)
Stream | Value Gained |
Cash Flow | $1,200/year (after maintenance/vacancy) |
Loan Paydown | $5,200/year |
Appreciation | $15,000 (4% est.) |
Tax Benefits | ~$6,500 (depreciation + write-offs) |
Total Year 1 Wealth Impact: ~$27,900
ROI on Cash Invested (~$25K total with closing costs): ~112%
What Emily Said
“I always thought investing meant stocks or a 401(k). This duplex paid me back in four different ways — and I’m just getting started. I’ll never look at money the same way again.”
Takeaway for Readers
Real estate isn’t just about monthly cash flow. It’s about cash flow, loan paydown, appreciation, and tax savings — all working at the same time to build real wealth.
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