MaxLife Strategy Loop

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Inputs — income never leaves the asset bucket

All flows happen at the beginning of the year, then assets and properties grow for that year. Borrowing each year takes whatever headroom is left under the loan-to-value cap. Rental income pays the loan interest first; whatever is left over pours back into the asset bucket. If the rent does not cover the interest, the shortfall is added to the loan.

The loop, year by year

Year 1
MaxLife strategy self-financing loop All income pours into the asset bucket and is never cashed out. Borrowing against that bucket fills a liability bucket, and the borrowed money buys Airbnb property. The property's net rental income pays the loan interest, and the surplus flows back into the asset bucket, which raises borrowing capacity again. 100% income in — never cashed out borrow against buys Airbnb interest paid from rent $0 1 · Asset 资产 $0 2 · Liability 融资 $0 3 · Reinvest 投资增值 INTERNAL SELF-FINANCING 内部自融资

Water levels are this calculator's own numbers — the same figures as the table below, on one fixed scale that never changes as the years run, so a level moves only when the balance does. The loop only compounds while the Airbnb net income rate beats the loan rate; set the yield below the loan interest and watch the liability bucket outgrow the assets.

At year 1

End-of-year balances

Year Income in Borrowed Rent Interest Back to assets Asset Liability Properties Net worth

Illustrative only — not a projection of any specific portfolio. Assumes a level asset growth rate, a constant loan-to-value cap, a fixed net rental yield with no vacancy years, and no taxes or transaction costs. Real lenders re-underwrite, rental yields vary, and property values can fall.