New and Infromation

Just What the Doctor Ordered:  Buy One Property Annually to Retire Comfortably


Could adding one property per year to your rental property portfolio help you retire comfortably? For Dr. Dat Tran, this strategy is just what the doctor ordered.


Dr. Tran is an internal medicine physician practicing in the metro Phoenix area, with 35 prestigious years of medical experience under his belt. Originally from Japan, Dr. Tran moved to the US and ultimately to Arizona because it was where his wife truly wanted to be. He takes great pride in caring for his family, and for others.


When asked what his biggest motivation is in life, Dr. Tran says he finds true fulfillment in taking care of others. He loves the medical field and his daily ability to help and heal. But he also knows it’s time to start thinking about his retirement and securing a strong financial future for his family.


Securing an strong financial future


At the advice of trusted friends, Dr. Tran started investing in real estate and is slowly growing his portfolio of rental properties to help fund his retirement. Prior to 2017 he used a variety of lenders for his real estate purchases. Then a trusted colleague mentioned he should try Level 4 Funding.


Dr. Tran reached out to Level 4 Funding and connected with loan originator Mark Gowlovech. Having experienced mediocre service in the past when it came to loan requests, Dr. Tran was especially impressed with Mark’s speed and efficiency.


“Very fast, very quick, very helpful” said Dr. Tran of his experience with Mark Gowlovech. He is glad he took his friend’s advice and was thrilled with the results. With Mark’s help, Dr. Tran received his loan funds in record time and wrapped up his most recent property purchase in Avondale in March. Now he’s one step and one property purchase closer to retirement.


Could real estate fund your early retirement?


Dr. Tran is not alone in leveraging real estate as a key component of his retirement and financial strategy. Though the real estate market will always experience ups and downs, many physicians and other professionals still see it as a viable retirement funding solution.


Physician’s Money Digest reports that some successful physicians endorse a simple retirement strategy from their mentors—"Buy one real estate investment property a year." In one example, a well respected physician who was also a savvy real estate investor shared that he had “technically retired years ago, but had continued working simply because he enjoyed it.”His simple and effective strategy? You guessed it, buy one real estate investment property per year.


By the numbers


This retirement strategy is certainly not restricted to physicians. But can only one property per year truly make a difference? As this one-per-year real estate purchase model shows, by year 20 the numbers truly add up:



  • All properties purchased are single family homes.
  • Each was purchased with 30% down private hard money loan, up to 4 properties financed at a time.
  • Property values are modest, at only $100,000 on average.
  • Average cash flow per property is extremely achievable—$400 per month.
  • Once each property is paid off, it cash flows at $800 monthly.
  • The Case-Shiller index was used to estimate a 3.4% property appreciation rate.


10 Year Summary:

  • 8 properties were purchased in the first 10 years of this simulation model, just short of goal.
  • 4 homes are completely paid off.
  • Cash flow by end of year 10 is $57,600 annually.
  • Portfolio property value is $750,000.
  • Total investment so far is $300,000.


20 Year Summary:

  • Properties continue to be purchased at an average of 1 per year.
  • Portfolio property value is $2.8 million at the end of year 20.
  • Cash flow reaches $172,800 per year.


The case study concludes that these are conservative estimates which most people can replicate. The numbers start to snowball around the 10 year mark, and many would agree that an annual income of over $170,000 in retirement qualifies as “comfortable” and then some.


Expand your funding options to escalate success


A 20 year retirement model looks great if you are 30 years old and want to retire by 50. But what if you’re a bit closer to retirement and need to escalate your plan?


One simple tweak is to expand your real estate purchase funding options. Rather than restrict your loans to just four at any given time (one of which is likely your primary residence), look to Level 4 Funding for greater flexibility and a longer runway in your financial plan.


You may run across a stellar investment property, hopefully one which cash flows for well above $400 per month. And you may have to act swiftly to win the bid. Your local bank will likely bog you down in a sea of paperwork and lengthy approval processes. Plus they are sure to have some sort of maximum property funding limit.


Keep things simple and follow Dr. Tran’s lead. When it comes to real estate financing he recommends Level 4 Funding. Just “go there and try them” he says, and experience their professional swift, service for yourself.