Safe Haven Homes

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a Safe, Energy Independent, Secure, Safe Haven Home that not only can provide you with a primary residence but incorporate both retreat and refuge living capability (often called “Off-the-Grid) and more.  Moreover, when combined with the “Smart Home Program (SHP)” it can also become a powerful wealth generation asset.  Truly, the best of the best in home ownership well worth your investigation. (Scroll below for more information)

Become a Millionaire or More

In this section, “Become a Millionaire or More”, we show you different price comparisons that will help you see the incredible financial benefits that a “Safe Haven Home” in combination with a “Smart Home” design concept and the “Smart Home Program”  can accomplish.  To give you an idea, below are some examples using the same home.

Amount Saved with 30 year Rental =      $0

16 year mortgaged Smart Home = $875,050

30 yr. “Smart Home Program” =  $1,492,291

Become a Millionaire or More using the "Smart Home Program"

A Quick Snapshot of How it Works

At our Quality Affordable Homes website, we give a comprehensive and detailed analysis how you can realistically become a millionaire (and possibly a whole lot more) within a standard time frame of a 30 year mortgage.  If you are one that appreciates such an analysis, we invite you to CLICK HERE to view how we arrived at this projection.  Otherwise,  if  you prefer a quick reading “snapshot”, just continue reading.

In this short presentation, we show how a homeowner can realistically pay off a $400,000 mortgage at 5% interest based on a thirty year mortgage within a time frame of nearly 16 years or less.  This  is all possible by combining  the nifty tools of mortgage 

acceleration concepts, allowable IRS tax deductions and equity valuation increases.  Also included in the mix is our income generation capability by utilizing the “Smart Home Program” as described below.

Before we show you the detailed values and calculations used to validate how we “Realistically Become a Millionaire (and Beyond), we wanted to give a quick snapshot view of these values to give you a foretaste of the incredible potential that exists with a “Smart Home” working in conjunction with the “Smart Home Program”.

Below are valuations given to different housing scenarios in comparison to four different “Smart Home” finance plans.  All the “Smart Home” plans use the “Smart Home Program (SHP)” for enhanced wealth generation.  And all of them use realistic values based on values that were prevalent during the time of these calculations.          

  1. Amount made RENTING out a similar sized home for 30 years                                                                          $ 0
  2. Amount made with a “Smart Home” and “Smart Home Program” with a mortgage for 16.25 years               $  873,050
  3. Amount made without “Smart Home & SHP” house using a 30 year standard mortgage                             $  1,130,154
  4. “Smart Home” using “SHP”, paying off a 30 year mortgage in 16.25 years and renting to 30 yr.                    $ 1,492,291
  5.  Similar to #4 only adding “Imaginary Mortgage Savings Plan (IMSP)”                                                       $ 1,846,546
  6. Being able to buy two “Smart Homes” and pay-off both in 32.5 years with only one mortgage                   $  2,911,743
  7. Similar to #6 only adding “Imaginary Mortgage Savings Plan (IMSP) to it on only one house                      $ 3,265,998                

One thing we want to point out is that in all the examples above, the homes are fully paid for except in the case of example #1 where you RENT a house. In most of this website, we explain in detail how you can amass the robust values we have shown above with single family housing.  One thing for sure, you really want to find out how mortgages can help you secure your financial concerns at the same time provide for needed housing for you and your family.  

One finance plan that really stands out is #6 and #7 above, where we showed that with only using one mortgage, we were able to fully pay-off two separate $400,000 “Smart Homes” in only 32.5 years.  The most conservative example ($6) indicated we were able to amass nearly $3,000,000 in asset value in the 32.5 years.  this truly is a phenomenal feat.

In the “Realtistically Become a Millionaire” link of our other website, we show in detail how these figures are determined (CLICK HERE to go to site).  This cannot be understated, we show realistic examples (with calculations) how you can potentially become an owner of TWO “Smart Homes” with a value of over $2.9 million within a 32.5 year time frame.  And utilizing our “Imaginary Mortgage Savings Plan” with it, make over $3.2 million in the same time frame.  It’s truly worth checking out.

Smart Home Program

We divide the “Smart Home Program” into two phases.  In Phase I,  we begin explaining this “Program” by renting out a room of the “Smart Home”  which includes the cost of the utilities.  For this, we charge a conservative $850/month rental income.  In our example, if we built a “Smart Home” for $400,000 at a 5% fixed interest rate, your monthly mortgage payment would be $2,147.29 (remember, this does not include property tax, house insurance and private mortgage insurance (PMI) which we calculate at about an extra $400 monthly.)  Adding the mortgage with these expenses brings us to a total of about $2,500/month.  

By subtracting out the $850/monthly rental income that we estimate can be obtained from renting out the “addition”, we are able to reduce our monthly mortgage payment from $2,500 to $1,650 monthly.  Figuring this out on a yearly basis gives us a total of $10,200 income per year, which certainly is a much more impressive figure.   But to make even a greater impression, if we calculate this out over a 30 year period, the time frame typically for a standard mortgage, it comes out to a total of $306,000 ($850 x 12 months/year x 30 years)!  Friend, this is not “chicken feed” and paints a realistic picture for serious debt reduction, investment, and a great retirement savings program.

This income makes the mortgage not only more manageable to pay, but offers additional funding to pay bills, purchase additional items for the house, apply to savings and so forth.  However, in our example, we are going to devote the rental income exclusively to paying off the mortgage in a strategy that we title, “Beating the Banker’s  Secret” which we explain in the “Benefits of Home Ownership” page on our website Quality-Affordable-Homes.com where these strategies are detailed.

By the use of income generation, mortgage acceleration concepts and fairly liberal tax deductions afforded to home owners by the Internal Revenue Service, we are able to increase the value of the original $400,000 home to nearly $873,050 within a period of a little over 16 years.  However, two very important points need to be emphasized.  First, by using the “Smart Home Program”, we were able to become mortgage free within 16.25 year time frame (16 years and three months to be exact) as opposed to a typical 30 year mortgage.  Not only that, within this nearly 16 year period of time, we completely own the previous indebted $400,000 house free and clear.  The icing on the cake, so to speak, is that in this 16.25 year period we calculate our home is now worth around $873,050 due to income generation, mortgage acceleration concepts, permissible tax deductions and home equity valuation increases.  This truly is a FORMIDABLE sum.

If you perhaps doubt these figures, again, I highly encourage you to check out the details of how we arrived at these calculations by CLICKING HERE.  In that link, you will be given a full course on the wonderful benefits real estate can offer, especially in single family housing.  This is especially true because we all have to live somewhere.  If we rent,  this can become one of our largest expenses in our life but if using the “Smart Home” design concept with the “Smart Home Program”, could potentially can become one of your most profitable investments you will ever own.

Phase Two of Becoming a Millionaire (and much more) Using the "Smart Home Program"

In Phase Two we take the “Smart Home Program” a little further.  We consider what would happen if you would continue paying an imaginary mortgage of the same amount that you had been doing for the last 16.25 years.  We assumed this shouldn’t be a problem since you had been doing this for a little over 16 years anyway.  Hence, by making the same payments as though you still had a mortgage for another 13 years and 9 months, we complete this program in exactly 30 years, a standard 30 year mortgage.  And in so doing, we are able to calculate thru realistic figures that your total house value should now be around $1,846,546 in 30 years compared to $873,050 in the first 16 mo. and 3 months when you paid off your mortgage.  In other words, your home has more than quadrupeled in value from its original value of $400,000 when you built or purchased it, 4.71 times to be exact. 

Your home has now become a powerful and extremely prosperous asset.  What makes this all the more powerful is that at the time of this writing, if you were to sell your primary home, you would not have to pay taxes on the profits made.  Normally, income on $1.884,044 would be taxed at 37% under IRS capital gain taxes.  If so, this would equal $697,096, or nearly $700,000 on the amount of $1,884,044!  There are very few income sources that provide this type of benefit, including stocks and bonds.  

We would like to show even greater potential benefits with the “Smart Home Program” which is noted in point #6 and #7 above.  To read the opportunity presented, please CLICK HERE.  We believe you will be amazed how you can realistically achieve such formidable profit potential. 

A few comments are in order.  We’ve tried to be conservative in our calculations and projections as possible.  For example, you’re probably aware that home equity values can increase or decrease significantly over time.  For example, in the 2008 real estate bubble collapse, numerous homes lost up to 50% of their value.  But one needs to temper this with a grain of salt.  This would not be true for those who had purchased their houses 15 to 25 years prior to 2008.  In many cases these homeowners were still ahead.  It was the individual who just purchased a new home who would have seen such losses.  And the greatest losses where experienced by those who were speculating multiple properties in the hope of greater prices (i.e. profits).  Yet on the flip side, in many areas of the country these losses have recently turned into serious profits as house values have dramatically escalated in the last few years.  The bottom line is that over a 30 year period of time, housing should typically hold it’s value if not more so. 

At the same time, we realize that you probably will not have continuous rental income over the total 30 year time frame.  But the point of our example is to show the significant potential that the “Smart Home Program” can offer.  And the key word is “potential”.  We are not promising that you will become a millionaire of more.  But what we are showing you is the distinct possibility that it can be done with proper financial planning and prudent stewardship.  As such, we feel comfortable recommending the possibility of owning a second Safe Haven Home using the same principles to add even greater wealth towards your future.   Another thought would be to consider owning a Safe Haven Home home for recreation, retreat and/or refuge purposes in a highly desirable setting such as the Smokies in Tennessee, Ozarks in Missouri/Arkansas, and so many more areas that offer safe get-away locations.  Make sure to check our Resources link for our future release of the most desirable “refuge and retreat” locations in America.

In Combination with a Safe Haven Home

As we have expressed elsewhere in this website, we truly believe combining a Safe Haven Home design criteria with a “Smart Home” plan will give you one of the most sought for homes on the market today.  Besides offering serious energy independence, a Safe Haven Home also can incorporate safety and security parameters that are becoming more needed in the world we are living in today.  Including a desireable “Smart Home” plan for serious income generation only magnifies the upward potential that this combination can offer.  The numbers speak for themselves in this regard.  Let us know how we can help you .

The "Peace Haven" was built in western North Carolina in the Blue Ridge mountain range. I would identify this area as a definitive "Safe Haven" location .
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