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

BLUPRINT HOME LOANS:
Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

💰 What’s your monthly cash flow number—the income you would need to make work optional?

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum talks with veterinarian and investor Laura about selling her practice, keeping the commercial real estate, and collecting rental income from the building.

Laura shares lessons from her investing wins and losses, explains why cash flow guides her financial goals, and discusses how education and a better money mindset can help investors move past fear. They also explore turnkey rental properties for busy professionals and her book, Everything Is Funny When You’re Making Money.

🏡 Whether you’re exploring real estate investing for beginners or building a more diverse portfolio, this conversation offers a practical starting point for defining your goals.

⏱️ TIMESTAMPS
0:00 – Meet Laura
0:40 – From veterinarian to investor
2:23 – Making investing approachable
5:17 – Selling the practice, keeping the building
6:24 – Investing wins, losses & mindset
8:04 – Fear and personal risk tolerance
11:33 – Finding your cash flow number
12:54 – Starting small and getting started
13:42 – Laura’s investing book

📧 Got a question or story to share?
Email us at: ⁠podcast@renttoretirement.com⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠podcast@renttoretirement.com⁠
Your question might be answered in a future episode!

🏡 Could your next rental property help lower your tax bill? Discover how cost segregation, bonus depreciation, and the short-term rental tax loophole can create potential tax savings—and what it takes to qualify.

In this episode of the Rent To Retirement Podcast, Zach Lemaster sits down with Amanda Han and Matt McFarland of Keystone CPA to discuss real estate tax strategies for 2026. They explain the difference between filing taxes and proactive tax planning, commonly overlooked deductions, and when rental losses may help offset W-2 and other income.

Then, co-host Matthew Seyoum joins Zach to walk through Rent To Retirement’s short-term rental tenant placement program and new construction investment examples in Florida and Alabama.

💡 Learn about:
• Rental property deductions, including home office expenses and hiring your children
• The $25,000 rental loss allowance and income limitations
• Cost segregation and 100% bonus depreciation
• Real estate professional status and material participation
• The short-term rental “substantially all” participation test
• 1031 exchanges, depreciation recapture, and long-term tax planning
• Builder incentives and potential tax savings in property projections

⏱️ TIMESTAMPS
0:00 – Introduction
2:30 – Tax planning vs. tax filing
6:08 – Real estate tax benefits
10:49 – How wealthy investors plan
14:24 – Rental property deductions
17:02 – Hiring your children
19:00 – Home office deductions
20:21 – The $25,000 rental loss allowance
23:52 – Accelerated depreciation
26:17 – Real estate professional status
28:27 – Short-term rental tax loophole
31:02 – Material participation tests
35:21 – Cost segregation explained
36:22 – 1031 exchanges and legacy planning
39:47 – Tax changes for 2026
41:53 – Multiyear tax strategies
47:14 – RTR’s tenant placement program
51:48 – Incentives and tax savings example
55:07 – Poinciana, Florida
59:36 – Vance, Alabama
1:00:23 – Kimberly, Alabama
1:01:55 – Additional markets and next steps

📲 Explore available investment properties and connect with the Rent To Retirement team: https://hubs.ly/Q04wZWv40

Tax benefits depend on individual circumstances and qualification requirements. Property figures discussed are illustrative projections, not guaranteed returns. Review any strategy with your tax professional.

📧 Got a question or story to share?
Email us at: ⁠podcast@renttoretirement.com⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠podcast@renttoretirement.com⁠
Your question might be answered in a future episode!

#RealEstateInvesting #TaxPlanning #AmandaHan #CostSegregation #ShortTermRentals #RentToRetirement

🎥 Want the full breakdown? Watch the longer version of this video for a deeper explanation of the 2026 STR tax strategy, qualification requirements, cost segregation, and real property examples.

https://youtu.be/BQWtZNiXfjQ

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

What if your first rental property could potentially help you offset 5 or even 6 figures of taxable income in 2026? 🏠💰

In this episode of the Rent To Retirement Podcast, we break down how cost segregation, accelerated depreciation, and a short-term rental strategy can potentially create substantial tax deductions against W2 income, business income, and other active income sources.

💰 How the 2026 Strategy Works

Learn how EVERYONE can use a cost segregation study to offset 5 or 6 figures of taxable income from your W2 (or any income source) in 2026, even if this is your very first rental! No real estate professional status needed!

Here’s how it works:

You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.
You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.
The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.
And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

⏱️ Timestamps

0:09 – 2026 Real Estate Tax Benefits
0:31 – Cost Segregation Explained
0:53 – Offsetting W-2 Income
1:31 – STR Tax Loophole Explained
2:20 – $90K Deduction Example
3:34 – Ways to Qualify
5:46 – How the RTR Program Works
6:31 – STR Tenant Placement
6:56 – No Furnishing Required
8:28 – Tax Savings & ROI
9:26 – Up to 13% Cash Back
10:44 – $102K Deduction Example
11:41 – Combining Cash Back + Tax Savings
13:39 – Property Examples
14:52 – Final Takeaways

⚠️ Tax Disclaimer: This content is for educational purposes only and is not tax, legal, or financial advice. Tax outcomes depend on individual circumstances. Consult a qualified CPA, tax professional, or attorney regarding your specific situation.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

👍 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://hubs.ly/Q04wZWv40

📺 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

This episode is sponsored by…

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

BLUPRINT HOME LOANS:
Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

What if your retirement account could invest in real estate instead of being limited to traditional stocks and funds?

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum explores how self-directed retirement accounts can give investors greater control over where their retirement capital is deployed. The conversation covers Self-Directed IRAs, Solo 401(k)s, checkbook control, rental property investing, Roth strategies, prohibited transactions, and more.

You’ll also learn an important distinction many investors misunderstand: when retirement funds purchase real estate, the retirement plan owns the property, receives the rental income, and pays the associated expenses rather than the individual investor personally.

⏱️ Episode Highlights

0:08 – Introduction & real estate investing background
5:56 – What Sense Financial does
6:20 – Checkbook IRA & Solo 401(k) explained
7:38 – Investing retirement funds into real estate
9:08 – How a retirement account actually buys property
11:22 – Prohibited transactions & disqualified parties
13:12 – Solo 401(k) requirements and contribution strategies
14:06 – Mega Backdoor Roth strategy
15:11 – Roth conversions using real estate
17:04 – Finding the right experts to implement your strategy
18:20 – The danger of leaving retirement capital sitting idle
19:03 – Investing in what you know and understand
20:39 – Why it may not be too late to start investing

The episode also discusses how self-direction can allow investors to allocate retirement capital toward investments they understand and control, including rental properties, private lending, syndications, and other permitted alternative assets.

📧 Got a question or story to share?
Email us at: ⁠podcast@renttoretirement.com⁠

👍 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/3QSPEoS

📺 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: ⁠podcast@renttoretirement.com⁠
Your question might be answered in a future episode!

#RealEstateInvesting #SelfDirectedIRA #Solo401k #RetirementInvesting #RentalProperties #PassiveIncome #RentToRetirement

In this special episode, Rent To Retirement founder Zach LeMaster joins the Lifestyle Dentist Podcast to share how he went from practicing optometry to building a real estate portfolio that ultimately gave his family financial independence.

Zach shares how he and his wife used rental real estate to gradually replace their active income, giving them the freedom to continue practicing healthcare because they enjoy it—not because they financially have to. The conversation explores passive income, long-term wealth creation, real estate tax advantages, cost segregation, leverage, and how busy professionals can invest without turning real estate into another full-time job.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

Here is how the RTR STR Tenant Placement Program works allowing anyone to qualify to use a cost segregation study to take massive tax deductions against their active income or W2 income in 2026:
You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.
You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.
The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.
And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions

🏠 In this episode:

0:00 – Why Zach was invited on Lifestyle Dentist
1:10 – From optometrist to real estate investor
3:10 – Replacing active income with rentals
9:01 – Why real estate works for high-income professionals
11:14 – Real estate tax benefits
12:04 – Cost segregation explained
14:52 – Real estate professional status
19:18 – Bonus depreciation explained
22:17 – Short-term rental tax strategy
23:26 – Material participation rules
24:30 – How the STR strategy works
27:19 – $300K property / $90K deduction example
28:03 – Builder incentives & cash back
33:14 – How many rentals can replace your income?
35:25 – Scaling a rental portfolio
41:18 – Buying your first rental
44:15 – Cash vs. leverage
51:00 – Why cash flow matters
52:08 – Avoiding analysis paralysis
53:07 – Turnkey real estate investing
56:33 – Where new investors should start
58:08 – Investing outside your local market
59:42 – Connect with Rent To Retirement

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions

🔔 Subscribe to the Rent To Retirement channel for more strategies on turnkey real estate investing, rental properties, passive income, tax advantages, and building long-term wealth.

⚠️ This episode is for educational purposes only and is not tax, legal, financial, or accounting advice. Speak with your CPA, attorney, or qualified tax professional regarding your individual situation.