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

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
BAM Capital:
Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner.
https://bamcapital.com/rtr/

Real estate investing doesn’t have to mean flipping houses, endless rehabs, or managing tenants yourself.

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Jack, a structural engineer from California, to break down how he went from maxing out his 401(k) to building a cash-flowing, out-of-state rental portfolio—without sacrificing his career or family time.

Jack shares why California real estate didn’t pencil out, how he overcame the fear of investing out of state, and why new-construction turnkey rentals in Alabama aligned perfectly with his long-term retirement goals.

Whether you’re a busy professional, high-income earner, or someone tired of waiting on the sidelines for interest rates to drop, this episode walks through a real investor’s decision-making process, mistakes avoided, and lessons learned.

⏱️ Episode Timestamps

00:00 – Intro & Jack’s background
01:00 – Why 401(k)s alone weren’t enough
02:45 – Why California real estate didn’t work
04:00 – Discovering turnkey investing through BiggerPockets
05:00 – Choosing Alabama as a target market
06:20 – Why out-of-state investing felt scary (at first)
08:00 – The power of education & the RTR Academy
10:00 – Cash flow vs appreciation vs depreciation
12:00 – Leveraging real estate for long-term wealth
14:30 – Tax benefits & future short-term rental plans
17:00 – Interest rates, timing the market & opportunity cost
19:30 – Trusting property management from afar
21:30 – Final advice for new investors

🚀 Key Takeaways

Why waiting for “perfect” interest rates can cost you more long-term
How turnkey rentals create passive income for busy professionals
The real power of leverage, appreciation, and tenant-paid debt
Why education matters more than trying to do everything alone
📧 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!#RentToRetirement #RealEstateInvesting #PassiveIncome #TurnkeyRealEstate #OutOfStateInvesting
#RentalProperty #CashFlowingRentals #RealEstateWealth #BuyAndHold
#RetirementPlanning #BusyProfessionals #WealthBuilding
#CaliforniaInvestors #AlabamaRealEstate #RealEstatePodcast

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

📉 Will mortgage rates finally stabilize in 2026?
In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster sit down with Hans Stone, head of lending at Blueprint Home Loans, to break down what real estate investors should realistically expect from mortgage rates in 2026 — and how to structure smarter loans in today’s market.

With nonstop headlines about Fed policy, bond purchases, and rate cuts, this episode cuts through the noise and focuses on what actually matters for investors: stability, strategy, and loan structure.

You’ll learn why dramatic rate drops are unlikely, how investor-friendly loan products like 7- and 10-year ARMs and DSCR interest-only loans can improve cash flow, and how builder incentives and buy-downs can materially change deal performance.

Whether you’re buying your first rental or scaling a portfolio, this episode will help you make educated, strategic lending decisions heading into 2026.

⏱️ Episode Timestamps

00:00 – Intro: Mortgage rate outlook for 2026
01:30 – Market volatility vs. stability in recent years
02:45 – Will government bond buying lower rates?
06:40 – Why big mortgage rate drops are unlikely
08:40 – Fed leadership changes & impact on lending
10:50 – New loan products investors should understand
11:30 – 7-year & 10-year ARM loans explained
14:00 – Using builder incentives to buy rates down
16:30 – DSCR interest-only loans: pros & misconceptions
19:00 – Cash flow vs. principal paydown strategies
21:30 – Matching loan structure to your investment goals

👉 Connect with the team to explore lending options with Blueprint Home Loans

📧 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!

#MortgageRates #RealEstateInvesting #DSCRLoans #ARMLoans #RentalProperty #PassiveIncome #RealEstate2026 #RentToRetirement #InvestorLoans #MortgageStrategy

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

Southwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.

You’ll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.

This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.

⏱️ Episode Timestamps

00:00 – Welcome to the Rent To Retirement Podcast

01:00 – Why Southwest Florida is a major growth corridor

03:00 – Hurricanes, insurance costs, and common investor misconceptions

07:30 – New construction vs older homes: what actually holds up

10:45 – Investor background: from Wall Street to Florida real estate

14:30 – Ground-up construction explained (build-to-rent strategy)

18:45 – How investors create equity without construction loans

22:45 – Duplex vs single-family investing in today’s market

26:00 – Long-term wealth, leverage, and inflation advantages

30:45 – Why Florida remains a top investor-friendly state

📧 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 #BuildToRent #FloridaRealEstate #RentalProperty #NewConstructionHomes #PassiveIncome #DuplexInvesting #WealthBuilding #RentToRetirement #CashFlowRealEstate

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
👍 Like this episode? Smash the Like button, Subscribe, and hit the bell 🔔 to never miss an update.
💬 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!