Real Estate Financial Planner™

Real Estate Financial Planner™

The Quiet Fifth Return That Most Investors Miss

Your reserves don’t have to just sit there—they can earn a return, too.

James Orr's avatar
James Orr
Aug 27, 2025
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When we talk about the returns from real estate, most people stop at four:

  • Appreciation

  • Cash Flow

  • Debt Paydown

  • Tax Benefits

But there’s a quiet fifth return that often gets ignored:

Return on Reserves.

You’re probably holding six months, maybe twelve months, or even more in reserves.

That money is just sitting there, waiting for a roof to leak or a furnace to d…

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