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

Can a rental property help reduce your taxable W-2 income? 🏡 Matthew Seyoum and Tommy Brown break down the short-term rental loophole, cost segregation, and the questions investors should ask before pursuing this strategy in 2026.

Using a $300,000 property as an example, they discuss approximately $90,000 in potential deductions—and why a deduction is different from actual tax savings. They also explore material participation, Rent To Retirement’s tenant placement program, and how builder incentives can affect your investment numbers.

Whether you’re buying your first rental or expanding your portfolio, this episode offers a practical look at evaluating tax benefits alongside cash flow and your long-term goals.

📌 In this episode:
• Cost segregation versus the short-term rental tax strategy
• Material participation and the “substantially all” discussion
• Combining potential tax benefits with builder incentives
• Cash back, cash flow, and portfolio planning
• Depreciation recapture and considerations when selling

⏱️ Timestamps:
0:00 Introduction
0:08 RTR’s tenant placement program
1:30 How the STR strategy may offset active income
3:33 $300K property example: potential deductions
4:22 Cost segregation explained
5:55 Working with your tax professional
7:16 Real estate professional status and STR participation
9:19 The “substantially all” participation discussion
10:14 Combining tax benefits with builder incentives
12:32 Matthew’s investment example and cash-flow tradeoffs
13:10 Selling, depreciation recapture, and 1031 exchanges
14:30 Connect with an RTR investment strategist

📧 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

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Submit your info at the top right corner of the page:
⁠⁠https://renttoretirement.com⁠⁠

#RealEstateInvesting #ShortTermRentalLoophole #CostSegregation #RentToRetirement #RentalProperties

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

💰 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

0:08 – How cost segregation can potentially offset active income
0:44 – Using the strategy with your very first rental property
1:11 – Combining RTR incentives with potential tax savings
2:18 – Why the 2026 program has limited availability
3:40 – How cost segregation works
4:26 – Using the short-term rental strategy without real estate professional status
5:14 – Passive losses vs. active income
5:37 – Important tax and legal disclaimer
5:59 – Estimating depreciation with a cost segregation study
6:53 – The 30% cost segregation example
7:23 – How a $300K property could generate an estimated $90K deduction
7:47 – Example: reducing $100K of taxable income
8:08 – What happens when deductions exceed your income
8:30 – Depreciation recapture and 1031 exchanges
8:54 – The short-term rental strategy explained
9:40 – The “substantially all” work test
10:12 – Three potential material participation paths
11:17 – Why the substantially-all test matters
11:39 – The under-7-day average stay requirement discussed
12:27 – Setting the property up on Airbnb
13:53 – Why the home does NOT need to be furnished for RTR’s placement
14:32 – What happens after the initial short-term rental stay
14:52 – Transitioning to property management in 2027
16:08 – Limited inventory and available new-construction properties
17:11 – Fort Pierce, Florida property example
17:56 – $339K property and 13% incentive breakdown
18:46 – Cash-back and cash-flow example
19:28 – Combining potential tax savings with RTR incentives
20:46 – Potential triple-digit ROI explained
21:29 – The 2–5 night RTR tenant placement process
22:47 – Alabama and Florida property examples
23:58 – Final recap and why timing matters in 2026

⚠️ 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!

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 did investors really have to say at BPCon 2026—and what could sitting on the sidelines cost you? 🏡

Matthew Seyoum and Tommy Brown share their biggest takeaways from the BiggerPockets conference, including how conversations have changed from previous years. From frustration with the BRRRR strategy to growing interest in turnkey rental properties, hear what investors are considering as they navigate today’s real estate market.

Whether you’re researching your first rental property or expanding your portfolio, this episode explores why investors are rethinking their strategies, widening their search, and looking beyond monthly cash flow.

📌 In this episode:
• Why some BRRRR investors are exploring turnkey rentals
• How investor expectations have shifted since past conferences
• Historical stock market declines and home price comparisons
• Four potential benefits of rental ownership: cash flow, tax advantages, appreciation, and loan paydown
• Builder incentives, interest rate buydowns, and the opportunity cost of waiting
• Portfolio diversification versus trying to time the market

⏱️ Timestamps:
00:00 – BPCon 2026 recap
02:06 – What investors are saying
04:39 – BRRRR challenges vs. turnkey rentals
06:25 – The cost of sitting out
09:17 – Stock market concerns and diversification
12:12 – Historical stocks vs. home prices
16:58 – Four benefits of rental ownership
20:38 – Waiting for the perfect market
22:15 – Builder incentives and market timing

📧 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!

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

#BPCon2026 #BiggerPockets #RealEstateInvesting #RentalProperties #RentToRetirement

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/

Thinking about selling a rental property and reinvesting the proceeds? 🏡💰 A 1031 exchange can allow real estate investors to defer capital gains while moving their equity into another investment property—but the rules and deadlines matter.

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Aristotle from Excel 1031 to break down how 1031 exchanges work, what investors need to know before selling, and some of the most common mistakes that can derail an exchange.

They discuss the role of a qualified intermediary, depreciation and recapture, the critical 45-day identification and 180-day exchange deadlines, and how a reverse 1031 exchange works when you want to purchase your replacement property first.

Whether you're preparing for your first 1031 exchange or looking to move equity from an existing rental into a new investment opportunity, this episode provides a practical overview of the process.

⏱️ Timestamps

0:08 – Introduction
0:47 – Aristotle’s real estate & 1031 background
4:36 – What is a 1031 exchange?
6:07 – Depreciation, recapture & tax benefits
9:04 – Why you need a qualified intermediary
12:14 – A costly 1031 exchange mistake
13:51 – The 45-day & 180-day rules
17:11 – What is a reverse 1031 exchange?
18:30 – When should an investor consider a 1031?
20:27 – 1031 exchanges & long-term wealth
21:30 – Connecting with Excel 1031

🏠 Already working with a Rent To Retirement strategist? Reach out to our team early in the process so we can help you evaluate replacement-property options and prepare for your 1031 exchange deadlines.

👉 Subscribe to Rent To Retirement for more real estate investing strategies, turnkey rental opportunities, tax education, and insights designed to help you build your portfolio.

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

📧 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!

#1031Exchange #RealEstateInvesting #RentalProperty #CapitalGains #RealEstateTaxes #TurnkeyRealEstate #RentToRetirement

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!