Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing

This episode is sponsored by…

NCH:
Set up an LLC to protect your investments! – https://nchinc.com/rtr

HEMLANE:
Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/

Welcome back to the Rent To Retirement Podcast with your host Adam Schroeder! 🎙️ Flying solo in this episode, Adam breaks down the latest trends in real estate investing, where the market is headed, and how to position yourself for smart, strategic investments in 2025 and beyond.
With interest rates shifting and inventory shortages across the country, understanding which markets and asset types make sense right now is critical. Whether you’re new to real estate or scaling up your portfolio, Adam’s actionable insights and personal deal breakdowns will help guide your next move. 💼🏠

🔑 Key Highlights & Timestamps:
00:00 - Intro: Real estate chaos & opportunity in 2025
01:00 - Why interest rates are dropping & what it means 📉
03:00 - What kind of loans are working now (DCSR vs. Conventional)
04:40 - Why people are still hesitant—and why they shouldn't be
06:00 - What markets are appreciating vs. stagnating 💹
08:00 - Midwest vs. Southeast: Where to invest & why
10:30 - How to assess insurance & property taxes correctly 🧾
12:00 - Why due diligence matters more than ever
14:20 - Real estate isn’t passive (even turnkey!) 🔍
16:30 - Becoming a better investor, one deal at a time
17:50 - Set yourself up for long-term success with smart systems

👉 Resources Mentioned:
• Free Wealth Calculator
• Rent To Retirement Academy

📢 Ready to build wealth through real estate?
Schedule a FREE consultation with a Rent To Retirement investment advisor today!🔗 ⁠https://bit.ly/3EE6KjZ⁠
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💬 Drop your questions and market thoughts in the comments!
🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠🗓️ Schedule a Free Consultation:⁠https://bit.ly/3EE6KjZ⁠📺 Subscribe to the YouTube Channel:⁠https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg⁠🎧 Listen to the Rent To Retirement Podcast on the Go:⁠https://podcasters.spotify.com/pod/show/renttoretirement⁠📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠https://renttoretirement.com⁠📩 Have Questions for the Podcast?Send them to: ⁠[email protected]⁠Your question might be answered in a future episode!#RealEstateInvesting #RentToRetirement #PassiveIncome #TurnkeyProperties #RealEstate2025 #DSCRloans #RealEstateTips #InvestmentProperty #RealEstateMarket #InterestRates #MidwestRealEstate #SoutheastInvesting #WealthBuilding #FinancialFreedom

This episode is sponsored by…

NCH:
Set up an LLC to protect your investments! – https://nchinc.com/rtr

HEMLANE:
Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/

Unlock MASSIVE tax savings in 2025! 🧾💰 In this must-watch episode of the Rent To Retirement Podcast, hosts Zach Lemaster and Adam Schroeder sit down with top real estate CPAs Amanda Han and Matt MacFarland from Keystone CPA to break down the latest strategies, loopholes, and legal hacks to minimize your tax burden and maximize wealth as a real estate investor.
Whether you're a seasoned investor or just getting started, this episode is packed with actionable insights to help you legally KEEP MORE OF YOUR MONEY in 2025 and beyond.

⏱️ Timestamps – Full Breakdown:
TAX STRATEGY & EDUCATION (w/ Amanda & Matt from Keystone CPA)
00:00 – Intro: Why tax strategy is critical for investors
01:07 – Hidden deductions most investors miss
03:06 – Write-offs WITHOUT an LLC
03:44 – Depreciation: Your biggest tax-saving tool
05:47 – Rental losses: What they are and how they help
06:14 – The $25K rule: Offset other income if you make under $150K
08:10 – RE Pro status: How to qualify (750 hrs + participation)
11:21 – Case study: $150K depreciation from $500K building
12:08 – STR loophole: Powerful tax savings without RE Pro
13:12 – 3 ways to qualify for STR material participation
14:17 – Who should be using STRs for tax strategy
15:29 – When to buy for STR benefits (and how to track hours)
17:12 – Audit triggers: What actually causes IRS audits
18:12 – CPA red flags: If they don’t understand RE strategy
19:11 – 2025 tax law changes & what’s expiring
20:43 – Will 100% bonus depreciation come back?
23:22 – Bonus depreciation can exceed your down payment
24:25 – Real example: Offset $100K income with rental loss
26:01 – What happens if IRS challenges RE Pro status?
28:14 – Audit outcome: What you owe, what carries forward
30:00 – Why it's still worth pursuing these strategies
32:02 – STR loophole: Is there a minimum hour rule?
33:44 – Pro tips on STR management year over year
34:03 – How to contact Amanda & Matt (Keystone CPA)

TURNKEY INVESTING STRATEGY & DEAL BREAKDOWNS (w/ Zach & Adam)
35:15 – How to apply tax savings to real-world deals
36:15 – What is Rent To Retirement & how we help
38:00 – 6–10% incentives: Price cuts, cash back, rate buydowns
39:12 – Example: Buy a $300K home with $30K in incentives
40:45 – Buy with as little as 5% down using local lenders
42:00 – Pair tax savings + incentives = infinite ROI
43:05 – Market spotlight: Cambridge, MN (fast population growth)
45:24 – Banbury model: Appreciation + rent potential
47:02 – Tulsa duplexes: $800+ cash flow w/ 15% ROI
50:10 – Why owner-occupied areas matter for long-term gains
51:30 – Cost seg studies: When and how to apply them
54:08 – Using passive losses for Roth conversions
56:00 – Strategic planning with your CPA (and when to do it)
57:15 – How to schedule your free investor consultation
59:30 – Final takeaways: Invest smarter, save bigger

👉 Subscribe for more real estate investing insights!

👉 Download our free investor toolkit: https://www.renttoretirement.com

👉 Connect with Amanda & Matt at https://www.keystonecpa.com🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠

🗓️ Schedule a Free Consultation:
⁠https://bit.ly/3EE6KjZ⁠

📺 Subscribe to the YouTube Channel:
⁠https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg⁠

🎧 Listen to the Rent To Retirement Podcast on the Go:
⁠https://podcasters.spotify.com/pod/show/renttoretirement⁠

📬 Join Our Newsletter Email List:
Submit your info at the top right corner of the page:
⁠https://renttoretirement.com⁠

📩 Have Questions for the Podcast?
Send them to: ⁠[email protected]⁠
Your question might be answered in a future episode!

This episode is sponsored by…

⁠CONNECT INVEST:⁠
⁠Earn returns up to 9% with as little as $500! https://connectinvest.com/rtr⁠

⁠NCH:⁠
⁠Set up an LLC to protect your investments! – https://nchinc.com/rtr⁠

AVAIL, BY REALTOR.COM:
Manage your properties with the all-in-one platform for landlords! https://avail.co/renttoretirement

⁠REALSOURCE RESIDENTIAL:⁠
⁠Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtr⁠

In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster sit down with Shawn Moore, the CEO of Vodyssey, to explore how short-term rentals can transform your real estate portfolio. 🚀 Whether you're a seasoned investor or just starting, this conversation is packed with actionable insights!

Shawn shares his journey from accidental short-term rental owner to industry leader, offering practical advice for navigating regulations, creating unforgettable guest experiences, and maximizing ROI. Learn why short-term rentals are a fun and lucrative addition to your portfolio and how to operate at the top of the market for maximum success.

Key Highlights:
0:08 - Meet Shawn Moore, CEO of Vodyssey
1:21 - Shawn's accidental entry into short-term rentals
6:25 - Comparing long-term and short-term rentals: Pros and cons
10:50 - Quick tips for evaluating short-term rental markets
18:12 - The importance of regulations and avoiding risky markets
27:08 - How to create standout guest experiences remotely
30:00 - Essential tools and teams for self-managing your rentals
36:00 - How Vodyssey helps investors succeed in the short-term rental market

📚 Get Shawn's FREE Book: Visit https://vodyssey.com/r2 for an in-depth guide to mastering short-term rentals!

🔗 Explore Properties: Check out https://renttoretirement.com for investment opportunities tailored to your goals.

🎧 Don’t Miss Out: Like, subscribe, and hit the bell to never miss an episode! Drop your questions in the comments or email us at [email protected].

Subscribe here: https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg

Listen to RTR Podcast on the go:
https://podcasters.spotify.com/pod/show/renttoretirement

With the many options available for a real estate investor, some people gravitate towards single family homes, some to multifamily, and some go the route of buying raw land.

Join our Newsletter Email List (submit information at the top right corner of the webpage): https://renttoretirement.com

Have questions? Please send them to [email protected] and hear them answered in a future episode!

Schedule a Consultation
at https://landing.renttoretirement.com/gm-calendar?submissionGuid=62df2bdd-79a2-445c-884b-798daf9e88a9

#RealEstateInvesting #ShortTermRentals #PassiveIncome #AirbnbInvesting #RentToRetirement #FinancialFreedom

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academy

https://landing.renttoretirement.com/evg-masterclass-replay

Real estate success isn’t accidental—it’s planned.

In this solo episode of the Rent To Retirement Podcast, host Matthew Seyoum breaks down how to strategically game-plan your real estate investments for 2026. From timing your purchases for tax advantages to reverse-engineering your savings and financing strategy, this episode is a practical roadmap for investors at every stage.

Whether you’re preparing for your first rental property or scaling a multi-property portfolio, this episode will help you avoid last-minute scrambles and move with clarity, confidence, and intention.

⏱️ Episode Timestamps

00:00 – Why 2026 planning starts now
00:28 – Setting your purchase timeline (January–December strategy)
00:54 – Buying for tax benefits vs. consistent quarterly acquisitions
01:40 – Understanding your “reload” capability (saving & capital planning)
02:56 – Pre-approval timelines and how long they last
03:34 – LLC setup: realistic timelines and lender requirements
04:42 – Why early planning creates flexibility and leverage
05:28 – One property per year vs. scaling faster
06:29 – Why acting sooner can unlock better tax outcomes
07:15 – First-time investors: learning by doing vs. analysis paralysis
08:03 – The full Rent To Retirement support team explained
08:30 – Best next steps to prepare for your next deal
10:05 – Final advice and how to access inventory & strategy calls

📌 Key Takeaways

✔️ How to reverse-engineer your real estate goals
✔️ When to get pre-approved (and why timing matters)
✔️ LLC and entity setup expectations
✔️ The power of time in real estate investing
✔️ Why execution beats endless research

👉 Next Steps

✅ Subscribe for weekly real estate investing strategies
✅ Visit https://RentToRetirement.com to view live inventory
✅ Schedule a call with the Rent To Retirement strategy team
✅ Start planning now to close smarter in 2026

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!

💬 Comment below with your biggest takeaway from this episode!

🌐 Explore turnkey investing opportunities: ⁠⁠https://www.renttoretirement.com⁠⁠

🗓️ Schedule a Free Consultation:
⁠⁠https://bit.ly/3EE6KjZ

📺 Subscribe to the YouTube Channel:
⁠⁠https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg⁠⁠

🎧 Listen to the Rent To Retirement Podcast on the Go:
⁠⁠https://podcasters.spotify.com/pod/show/renttoretirement⁠⁠

📬 Join Our Newsletter Email List:
Submit your info at the top right corner of the page:
⁠⁠https://renttoretirement.com⁠⁠

📩 Have Questions for the Podcast?
Send them to: ⁠[email protected]⁠
Your question might be answered in a future episode!

#RealEstateInvesting #RentalProperties #RealEstatePlanning #PassiveIncome #2026Planning #RentalRetirement #BuyAndHold #WealthBuilding #TaxStrategies #FirstTimeInvestor

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academy
https://landing.renttoretirement.com/evg-masterclass-replay

What will 2026 mean for real estate investors? In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster break down the economic shifts, interest rate outlook, tax strategies, and market dynamics that will shape real estate investing in 2026 and beyond.

You’ll learn why the market is transitioning faster than most investors realize, how Federal Reserve policy and tax incentives could drive appreciation, and why Q1 2026 may be the most strategic window to buy before competition, incentives, and affordability change.

Whether you’re an experienced investor or preparing for your first rental property, this episode provides a clear, data-driven roadmap for navigating the next phase of the real estate cycle. 📈🏡

⏱️ Episode Timestamps
00:00 – Welcome & 2026 outlook overview
01:00 – Key shifts from 2025 into 2026
03:40 – The “new normal” for interest rates
05:15 – 100% bonus depreciation & tax advantages explained
07:35 – Quantitative easing, inflation & asset prices
09:28 – Why builders are increasing production
11:00 – Why Q1 2026 is a critical buying window
13:10 – Buyer’s market vs seller’s market explained
15:08 – Institutional buyers & shrinking inventory
17:41 – Why interest rates shouldn’t stop investors
19:55 – Current builder incentives (Texas & Florida)
22:03 – Institutional pricing advantages for investors
24:13 – Final thoughts & 2026 investment strategy

📧 Got a question or story to share?
Email us at: ⁠[email protected]⁠

👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!

💬 Comment below with your biggest takeaway from this episode!

🌐 Explore turnkey investing opportunities: ⁠⁠https://www.renttoretirement.com⁠⁠

🗓️ Schedule a Free Consultation:
⁠⁠https://bit.ly/3EE6KjZ

📺 Subscribe to the YouTube Channel:
⁠⁠https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg⁠⁠

🎧 Listen to the Rent To Retirement Podcast on the Go:
⁠⁠https://podcasters.spotify.com/pod/show/renttoretirement⁠⁠

📬 Join Our Newsletter Email List:
Submit your info at the top right corner of the page:
⁠⁠https://renttoretirement.com⁠⁠

📩 Have Questions for the Podcast?
Send them to: ⁠[email protected]⁠
Your question might be answered in a future episode!

#RealEstateInvesting #2026RealEstate #RentalProperties #PassiveIncome
#RealEstateMarket #BonusDepreciation #InterestRates #BuyAndHold
#TurnkeyRealEstate #WealthBuilding #RentalIncome #HousingMarket