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This episode is sponsored by…

BLUPRINT HOME LOANS:

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PROPER INSURANCE:

Protect your short-term rental with the industry’s most complete, full-replacement insurance solution: ⁠https://www.properinsurance.com/rtrIn today’s episode, Adam Schroeder sits down with investor Adam (yes—two Adams!) to break down how he scaled from managing short-term rentals to leveraging builder incentives, cost segregation, interest-only loans, and cash-out refinances to rapidly grow his portfolio.

Adam explains how he transitioned from self-managing STRs in New York and the Jersey Shore to acquiring a new-build long-term rental in San Antonio, Texas, using a powerful 12% builder incentive that dramatically lowered his out-of-pocket cost and boosted his tax savings.

If you’re looking for real, actionable investing insights directly from an investor who’s doing the work, this episode is packed with value.⏱️ TIMESTAMPS

00:00 – Welcome with host Adam Schroeder
00:20 – How Adam first got started in real estate
00:36 – Early rentals, STRs, and 1031 exchanges
01:23 – Trading a problematic vacation rental into better assets
02:03 – Using the STR loophole + qualifying as a Real Estate Professional
02:55 – Why he added a long-term rental this year
03:31 – How he discovered Rent To Retirement
04:22 – Why he won’t invest in long-term rentals in New York
06:15 – Why Texas—and specifically San Antonio—made sense
07:19 – Breaking down the 12% builder incentive
08:39 – Why he chose an interest-only DSCR loan
10:01 – STR management vs. passive LTR strategy
11:25 – What the buying process was like with RTR
13:28 – Inspection, build quality & warranty experience
15:35 – Cost segregation tax benefits
16:52 – How he effectively got into the deal for almost zero net capital
18:10 – Cash-out refi strategy on his commercial building
19:55 – Pulling $200K tax-free and reinvesting
21:18 – Compounding wealth through refinancing
23:03 – Why local lenders matter for specialty properties
24:51 – Investing confidently even with higher interest rates
26:08 – Message to investors waiting on the sidelines
27:48 – Advice for first-time RTR listeners
28:15 – How to get started with Rent To Retirement

🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #PassiveIncome #TurnkeyRealEstate #ShortTermRental #LongTermRental #TexasRealEstate #SanAntonioRealEstate #DSCRLoan #CostSegregation #RealEstateProfessional #CashOutRefi #RentToRetirement #RentalProperties #FinancialFreedom #WealthBuilding

Discover how the wealthy legally eliminate their tax bills through real estate investing.
In this episode, hosts Adam Schroeder and Zach Lemaster sit down with Jason Melilo, CEO of K B K G and former CEO of a Top 100 CPA Firm, to unpack the tax strategies every investor should know — from cost segregation and bonus depreciation to qualifying as a real estate professional and using short-term rentals for massive deductions.

Jason reveals how he helps investors save thousands in taxes while building long-term wealth — and even shares how you can get a 10% discount on cost-seg software using code RTR 2025 at cbn.com.

💡 Timestamps
00:00 Intro – Meet Jason Melilo, CPA & Investor
01:00 Jason’s first real-estate deal & lesson in cash flow
03:00 How depreciation shelters income
05:20 What real “tax planning” means for investors
07:40 Cost segregation & bonus depreciation explained
09:50 Real-life example: turning $250K income → $0 taxable
13:00 Who qualifies as a real-estate professional
16:00 Short-term rental strategy to offset W-2 income
19:30 How to document your hours for IRS proof
22:45 Planning tax benefits before you buy
25:00 Cost seg on existing properties (“catch-up” depreciation)
27:00 Pros & cons of cost segregation & recapture rules
30:00 New 2025 tax law: 100% bonus depreciation returns
32:00 Final tips + discount for RTR listeners

🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://meetings.hubspot.com/scott-lu...🏠Available Inventory Sheet: ⁠https://docs.google.com/spreadsheets/...📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #TaxStrategy #PassiveIncome #CostSegregation #BonusDepreciation #RentToRetirement

It’s crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement’s biggest end-of-year incentives ever! 🎉

Join hosts Adam Schroeder and Zach Lemaster as they break down how investors can save tens of thousands of dollars on brand-new construction properties — and leverage powerful tax strategies before 2025 begins.

In this special episode, Zach explains how Rent To Retirement negotiates exclusive below-market prices with national builders like D.R. Horton, Lennar, and LGI Homes, giving investors access to 10% buyer incentives, cash-back opportunities, and rate buy-downs into the 3% range.

If you’ve been waiting to invest, this is your sign to act. ⏳ These deals — and their tax advantages — disappear November 14th at 5PM PST!

⏱️ Timestamps:
00:00 – Intro: Why Year-End Matters for Investors
01:14 – Exclusive Builder Incentives Explained
03:30 – Deadline: One Week Left to Claim Your Savings
04:52 – How the 10% Incentive Works (Real Numbers)
06:26 – Bonus Depreciation & Cost Segregation Benefits
08:35 – Real Example: Dallas, TX Property Walkthrough
10:12 – Cash Flow & ROI Breakdown
12:34 – Houston & Katy, TX Growth Markets
15:10 – Alabama Opportunities (5% Down Option)
17:21 – Why New Construction Wins in 2025
18:56 – Cost Segregation, REP Status & Tax Banking
19:52 – Final Call: How to Secure Your Incentives

🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://meetings.hubspot.com/scott-lundgren/initial-call-with-rent-to-retirement

🏠Available Inventory Sheet: https://docs.google.com/spreadsheets/d/1t5B3rIeyUUngFT2H3osl4JVELQsyxZy1rz9XJGU-hJo/edit?gid=1182675960#gid=1182675960

🏦Reduce Your 2025 Tax Bill Using Real Estate!https://youtu.be/8I2hy6Nuqyg?si=2Xrt4IRE8tGmkfnT📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #PassiveIncome #TurnkeyProperties #TaxStrategies #EndOfYearIncentives #BonusDepreciation #CostSegregation #FinancialFreedom #InvestInRealEstate #RentToRetirement #ZachLemaster #AdamSchroeder #CashFlowInvesting #2025TaxPlanning #RealEstatePodcast