Module 4 · Vacancy & Tenant Safety Plan
We can't remove all the risk of a vacancy or a bad tenant — but we can pre-decide how you'll handle the big ones so they stop running the show. Enter your numbers below and see exactly where you stand.
Step 1
Your full monthly payment: mortgage principal & interest, taxes, insurance, and HOA dues if you have them (sometimes called "PITI + HOA").
Step 2
1 Month
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3 Months
—
6 Months
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Most families we work with feel safest with 3–6 months set aside. Tap a card to set it as your target.
Step 3
Cash reserves set aside for this home
Step 4
Worst case, equity in the home itself is a real backup — a Home Equity Line of Credit (HELOC) could let you access part of it if you ever needed to. Enter your numbers below to see your equity.
🔒 Your numbers stay on this device — we never see, store, or transmit them.
Just your best guess is fine — Zillow or Redfin can give you a rough starting point.
Check your most recent mortgage statement or your loan servicer's website/app.
Step 5
These use your actual cash from Step 3 — the money that's really available today.
If the property sits vacant for 1 month:
Enter your payment and cash reserves above to see this.
If a tenant leaves and it takes 2 months to re-rent:
Enter your payment and cash reserves above to see this.
If you had one surprise repair, could you pay it without touching everyday bills?
This doesn't have to be perfect on day one. The point is to know your target and start moving toward it on purpose — not by accident.
Next Step
Once you've looked at your reserves, book a free UNSTUCK Conversation. We'll factor a realistic reserves target and conservative rent into your numbers — so you're not building this on hope.
Schedule My UNSTUCK ConversationNo cost. No obligation.