I Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
