The document describes a mortgage reduction, tax, and long-term investment strategy called the "Terminator Strategy". It compares a traditional mortgage payment plan to a strategy that utilizes a secured line of credit to access up to 80% of a home's value and invest the funds. By making the same monthly payments but allocating some funds to an investment, over time the mortgage balance is reduced faster while also building a retirement fund. The strategy aims to gradually convert the mortgage to a tax deductible status and fully pay off the home much faster than traditional repayment plans, saving for retirement at the same time with the same monthly payments. Professional guidance is recommended to consider all aspects before pursuing this strategy.

1. The SAME mortgage payment could be be paying off your mortgage "2X" faster, RECLAIM taxes and create a nest egg!
Terminator
Don’t know..What is your by-weekly ?
Your Financial HomeValue $ 500,000 Refinance @80% or You Decide = $ 400,000 bi-weekly payment $0.00
Freedom's below Mortgage $ 265,000 Funds available for Investment = $ 135,000 monthly payment= $0.00
Enter your basic Present rate 3.990% guess Rate of Investment Growth 6% Amortization 0.00
Mortgage data Amort 20 years Prime rate +1= Prime is 2.5% 3.50% Years 0.00
in the yellow Payment $1,600 per month Clients Tax Rate 30% **This Strategy is a
cells to see monthly routine
This program compares your mortgage (mtg.) payment plan vs. a Mortgage-(Reduction,Tax & L.T. Investment ) Strategy utilizing secured LOC's;
interest only. Keeping payments the same and accessing up to 80% of the value of your home, OAC, a low risk investment fund is purchased.
Annually, the difference from the mtg. payments less the LOC costs leave a surplus of: $ 5,199 /year. Combined with the ever increasing
income tax deduction: $ 1,418 /yr and annual Investment proceeds of: $ 8,100 reducing the mtg. (BAD debt) by; $ 14,716
in total. As the mtg. (BAD debt) is reduced, we re-borrow an identical amount from the Good LOC and invest , gradually converting the whole
mortgage to a tax deductable status (GOOD debt), and the investment fund continues to grow making you happily ever after. Amazingly, you pay
off your home in a much reduced time (50% faster) save for retirement meanwhile making the same mortgage payment!!
For more details: Daniel Sullivan 647-388-4636/ www.dandanthemortgageman.com Broker# 10584
No Strategy VS. TERMINATOR STRATEGY- TAX DEDUCTIBLE & DEBT REDUCTION & LONG TERM INV. PLAN Funds You
What your doing Now…. $ 400,000 L.O.C.'s Interest Value of GOOD LOC available created this
End of Bal. of Mtg* 12 BAD LOC GOOD LOC paid on paid on Investment *ROI Mortgage Deduction for reduction much extra
Year present Mtg Net Pmts $ 265,000 $ 135,000 BAD LOC GOOD LOC fund fund surplus Tax Interest on BAD LOC wealth
1 256,128 $ 19,199 250,284 149716 $ 9,275 $ 4,725 $ 135,000 $ 8,100 $ 5,199 $ 1,418 $ 14,716 $ 5,844
2 246,899 $ 19,199 234,530 165470 $ 8,760 $ 5,240 $ 149,716 $ 8,983 $ 5,199 $ 1,572 $ 15,754 $ 12,369
3 237,298 $ 19,199 217,666 182334 $ 8,209 $ 5,791 $ 165,470 $ 9,928 $ 5,199 $ 1,737 $ 16,864 $ 19,632
4 227,310 $ 19,199 199,613 200387 $ 7,618 $ 6,382 $ 182,334 $ 10,940 $ 5,199 $ 1,915 $ 18,053 $ 27,697
5 216,919 $ 19,199 180,287 219713 $ 6,986 $ 7,014 $ 200,387 $ 12,023 $ 5,199 $ 2,104 $ 19,326 $ 36,632
6 206,110 $ 19,199 159,599 240401 $ 6,310 $ 7,690 $ 219,713 $ 13,183 $ 5,199 $ 2,307 $ 20,688 $ 46,511
7 194,865 $ 19,199 137,452 262548 $ 5,586 $ 8,414 $ 240,401 $ 14,424 $ 5,199 $ 2,524 $ 22,147 $ 57,413
8 183,167 $ 19,199 113,744 286256 $ 4,811 $ 9,189 $ 262,548 $ 15,753 $ 5,199 $ 2,757 $ 23,708 $ 69,424
9 170,998 $ 19,199 88,364 311636 $ 3,981 $ 10,019 $ 286,256 $ 17,175 $ 5,199 $ 3,006 $ 25,380 $ 82,634
10 158,338 $ 19,199 61,195 338805 $ 3,093 $ 10,907 $ 311,636 $ 18,698 $ 5,199 $ 3,272 $ 27,169 $ 97,143
11 145,168 $ 19,199 32,111 367889 $ 2,142 $ 11,858 $ 338,805 $ 20,328 $ 5,199 $ 3,557 $ 29,084 $ 113,058
12 131,468 $ 19,199 976 399024 $ 1,124 $ 12,876 $ 367,889 $ 22,073 $ 5,199 $ 3,863 $ 31,135 $ 130,492
13 117,215 $ 19,199 - 400000 $ 34 $ 13,966 $ 399,024 $ 23,941 $ 5,199 $ 4,190 $ 33,330 $ 149,569
14 102,388 $ 19,199 - 400000 $ - $ 14,000 $ 432,354 $ 25,941 $ 5,199 $ 4,200 $ 35,340 $ 170,081
15 86,963 $ 19,199 - 400000 $ - $ 14,000 $ 467,694 $ 28,062 $ 5,199 $ 4,200 $ 37,460 $ 192,117
This Page is Property of dandanthemortgageman.com to achieve these results professional guidance is highly recommended!
*There are no guarantees on investment funds. You should weigh all aspects carefully before making a decision to borrow on the equity in your home to invest.
Consult your Financial Advisor for any investment concerns. **ROI= Return On Investment BAD DEBT can be an ARM, FIXED RATE or LOC
This Page is Property of dandanthemortgageman.com to achieve these results professional guidance is highly recommended!
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