One Home Away Strategy
A long-term plan designed to help you pay off your primary home faster and build a future where you retire with more income or more options.
What it is
One Home Away is a long-term mortgage and wealth strategy built around one idea: most people are one well-planned property move away from major financial flexibility.
The strategy uses a structured plan to help you:
- pay down your primary mortgage faster, and
- build toward owning one additional property (when it fits), so you can create future income options or equity flexibility for retirement.
This isn’t “buy real estate and hope.” It’s a timeline-based plan that starts with your homeownership budget and builds step-by-step.
Who it’s for
Stable income, decent credit, long-term mindset
This strategy works best when your foundation is solid and you’re willing to follow a plan.
You want a plan, not hype
You want clear steps, realistic timelines, and decisions based on numbers, not emotion.
You’re open to using real estate as part of retirement
Not everyone needs to be a landlord, but you’re open to using property as a tool for future flexibility.
How it works
01
Build a clear homeownership budget and target timeline
We map your cash flow, debts, and savings habits so we can set a realistic plan.
02
Choose the right mortgage structure for long-term flexibility
Your mortgage should support your plan, not restrict it. We focus on structure and options, not just rate.
03
Plan the next property step (timing, down payment, affordability)
We build a clear milestone path so you know exactly what needs to happen and when.
04
Use that second property as a wealth lever
Depending on your goals, that property can support retirement through income, equity growth, or flexibility.
Outcomes people usually want
- ◈ Pay down the primary mortgage in ~15 years or less (depending on income, discipline, and market conditions)
- ◈ Retire with additional income (optional and strategy-dependent)
- ◈ Retire with more funds and options, even if you sell later
- ◈ Create flexibility so retirement planning isn’t dependent on one outcome
Example
A homeowner with a stable income follows a structured plan: optimize their mortgage structure, build a clear prepayment routine, and save toward a second property milestone. Over time, they reduce their primary mortgage timeline and build an additional asset that supports the long-term retirement goal.
Key point: This strategy works because it’s built on milestones and affordability, not “buying as fast as possible.”
Things we watch closely
Cash flow stress testing
We make sure the plan still works if life gets expensive or income changes.
Interest rate risk
Especially important if you’re using variable or planning future purchases.
Maintenance, vacancy, and real-life costs
If a rental is part of the plan, we budget for reality, not fantasy.
Keeping the plan realistic for your lifestyle
If the plan requires misery to succeed, it’s not a plan. It’s a countdown to quitting.
FAQ
Not always. The strategy is about building flexibility. A second property is one path, but we can also structure the plan around timeline payoff, equity planning, and future options.
No. It’s for people with stable income and discipline. The timeline and milestones adjust based on your numbers.
It depends on cash flow, savings rate, and affordability. We build it around milestones: stabilization → optimization → expansion.
That’s normal. If rental ownership doesn’t fit your personality or lifestyle, we plan alternatives that still support your long-term goals.
Yes. In that case, we optimize what you already have and build the plan around your current portfolio.
It’s a strategy plan based on your numbers and lender guidelines. Outcomes depend on discipline, market conditions, and approval.
