⁠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

This episode is sponsored by…

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at

https://bluprinthomeloans.com/renttoretirement/

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

Want to cut your 2025 tax bill and grow your real estate portfolio at the same time?
In this powerful episode, hosts Zach Lemaster and Adam Schroeder reveal real-world strategies to legally reduce taxes through cost segregation, bonus depreciation, and builder incentives — all before year-end.

They’re joined by Amanda Han & Matt MacFarland (Keystone CPA) and Jeff Welgan (Bluprint Home Loans) to share how smart investors are stacking creative financing, tax deductions, and new construction deals to maximize ROI while preparing for the 2026 tax changes.

If you’ve been waiting for the right moment to invest — this is it.

⏱️ TIMESTAMPS

00:00 – Introduction & 2025 real estate outlook
01:30 – Why Q4 is the most strategic time for investors
03:00 – Builder incentives: how to get $25K–$50K back on new builds
05:10 – Using 5% down loans to scale your portfolio faster
08:00 – Cost segregation 101: turn $300K homes into $90K tax write-offs
10:40 – Combining tax strategies for “free real estate”
13:00 – IRS-approved tax breaks and why they exist
15:20 – Market highlights: San Antonio, Conroe, and Alabama
20:00 – Lending insights with Jeff Welgan (Bluprint Home Loans)
28:00 – DSCR loans, credit scores & qualification tips
33:00 – Real estate professional status vs short-term loophole
39:00 – Why you must own and place your property in service before year-end
48:00 – Final takeaways: how to act fast and save big in 2025

🗓️ 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 #TaxStrategy #CostSegregation #BonusDepreciation #PassiveIncome #TurnkeyInvesting #BuilderIncentives #DSCRLoans #BluprintHomeLoans #KeystoneCPA #RentToRetirement #FinancialFreedom #WealthBuilding #RealEstatePodcast #Investing2025

Are you ready to make 2025 your most profitable investing year yet? In this episode of the Rent To Retirement Podcast, hosts Zach Lemaster and Adam Schroeder sit down with Amanda Han & Matt MacFarland from Keystone CPA and lending expert Jeff Welgan from Bluprint Home Loans to break down game-changing tax and lending strategies every investor needs to know.

Learn how to legally minimize your tax bill, supercharge your cash flow, and build long-term wealth using 100% bonus depreciation, real estate professional status, short-term rental loopholes, and creative loan structures available only through Rent To Retirement partners.

⏱️ Episode Highlights:
00:00 – Intro: Why tax strategy is key to wealth growth
01:00 – The “One Big Beautiful Bill”: 2025 tax changes every investor must know
04:30 – 100% Bonus Depreciation is BACK – how to use it before year-end
08:00 – The $25,000 rental loss rule explained
10:40 – Real Estate Professional Status: Who qualifies & how to leverage it
13:20 – The Short-Term Rental Loophole (no REP status required!)
17:00 – Paying your kids legally to reduce taxes
19:20 – Avoiding common tax mistakes investors make
23:30 – Jeff Welgan on Bluprint Home Loans: New programs & 4.5%–5.5% rates
27:00 – DSCR Loans explained: Qualify based on rent, not income
31:30 – The 30-year fixed + 10-year interest-only loan strategy
36:00 – When to hire a CPA & build your investing team
43:00 – Year-end deadlines & how to make your next property purchase count🗓️ 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 #TaxStrategies #BonusDepreciation #KeystoneCPA #BluprintHomeLoans #RentToRetirement #DSCRLoans #FinancialFreedom #PassiveIncome #RealEstatePodcast #TaxPlanning2025 #1031Exchange #CostSegregation #RealEstateProfessionalStatus

💡 What if you could replace your income with real estate—without quitting your job?
In this exclusive panel from BPCON 2025, hosted by Rent To Retirement, industry experts share the proven strategies they’ve used to scale to $10,000/month in passive income through smart real estate investing, tax optimization, and creative financing.

Join Zach Lemaster (Founder & CEO of Rent To Retirement), Adam Schroeder (Sales Manager & Acquisition Director

Rent To Retirement), Amanda Han (Keystone CPA), Jeff Welgan (Blueprint Home Loans), and Steve Yoke (Owner & CEO Akron Turnkey) as they reveal how to:

• Build a 7-figure portfolio using 5% down loans & builder incentives

• Use cost segregation & 1031 exchanges to maximize tax efficiency

• Identify high-growth markets like Texas & Alabama for 2025 and beyond

• Leverage DSCR and interest-only loans for scalable investing

• Create a network of experts to fast-track your real estate success

⏱️ Timestamps

00:00 Intro — What $10K/month in passive income really means
02:00 Zach Lemaster’s journey from optometrist to real estate millionaire
05:00 How to use 5% down loans and builder incentives to scale faster
07:15 Understanding cost segregation & 100% bonus depreciation
10:00 Stacking equity, appreciation, and cash flow to reach $10K/month
14:00 The IDEAL Formula for wealth building in real estate
18:00 Meet the Panel: Jeff Welgan, Steve Yoke, Amanda Han, Adam Schroeder
20:00 How to scale when you run out of capital
21:45 Amanda’s tax strategies for different investor goals
23:00 Steve’s strategy for consistency and relationships in investing
26:00 Creative lending & DSCR loans explained by Jeff Welgan
31:00 Interest rates, opportunities & why waiting can cost you
32:30 Top markets for 2025: Texas, Alabama, Ohio
38:00 The future of real estate tax law & bonus depreciation
43:00 Innovative loan options: 30-year fixed with 10-year interest-only
46:00 Q&A: 1031 exchanges, DTI limits & real estate professional status
52:00 Final insights: What separates successful investors from the rest

🗓️ 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

📧 Questions? Email us: podcast@renttoretirement.com⁠

#RealEstateInvesting #PassiveIncome #TurnkeyProperties #FinancialFreedom #RentToRetirement #BPCON2025 #RealEstatePodcast #DSCRLoans #TaxStrategies #RealEstateFinance #CostSegregation #1031Exchange #RealEstatePanel #ZachLemaster #BiggerPocketsConference

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

This episode is sponsored by…

ECKARD ENTERPRISES:

Build wealth through alternative investments in U.S. oil & gas with Eckard’s tangible, tax‑advantaged energy assets:

⁠https://eckardenterprises.com/rent-to-retirement/⁠⁠

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at

⁠https://bluprinthomeloans.com/renttoretirement/⁠

FIGURE:

Access your home equity in minutes—no refinance needed!⁠ ⁠

⁠https://go.figure.com/renttoretirement

Discover why Columbus, Georgia is quietly becoming one of the most stable and high-yielding real estate markets in the Southeast.
In this episode, Adam Schroeder sits down with Andrew and Preston, the Rent To Retirement rehab team based in Columbus, GA, to explore their proven formula for turnkey rehabs, property management, and guaranteed rent programs that help investors achieve predictable cash flow.

👉 Whether you’re new to real estate or looking to diversify your portfolio, this deep dive covers everything from market fundamentals to renovation strategy and tenant retention.

🕒 Timestamps

00:00 – Intro: Meet the Columbus, GA Rehab Team
01:00 – How Andrew & Preston Got Started in Real Estate
03:30 – Why They Chose Columbus, Georgia for Turnkey Investing
05:00 – Market Fundamentals: Taxes, Rent Yields & Migration Trends
08:30 – Rehab Standards & The “CapEx First” Strategy
11:30 – Materials, Upgrades & Property Durability Choices
16:30 – Tenant Profiles: Military, Medical, & Workforce Housing
19:00 – Property Management System & Rent Growth Stats
23:00 – Rent Guarantee Explained: Reducing Investor Risk
27:00 – Real Results & Why Their Clients Stay
28:30 – How to Invest in Georgia Turnkey Properties

🗓️ 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

📧 Questions? Email us: podcast@renttoretirement.com⁠

#RealEstateInvesting #TurnkeyProperties #ColumbusGeorgia #PassiveIncome #RentToRetirement #RealEstatePodcast #CashFlow #RehabInvesting #PropertyManagement #GeorgiaRealEstate #RentalProperties #FortBenning #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

This episode is sponsored by…

ECKARD ENTERPRISES:

Build wealth through alternative investments in U.S. oil & gas with Eckard’s tangible, tax‑advantaged energy assets:

https://eckardenterprises.com/rent-to-retirement/⁠

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at

https://bluprinthomeloans.com/renttoretirement/

FIGURE:

Access your home equity in minutes—no refinance needed!

https://go.figure.com/renttoretirement

💼 Are you ready for massive tax savings in 2025?
In this episode of the Rent To Retirement Podcast, host Adam Schroeder sits down with Jim and Lorraine Conaway, founders of JCA Tax, to break down the new 2025 tax changes and how real estate investors can use them to build wealth while paying less in taxes legally.

The Conaways reveal powerful tax strategies—like 100% bonus depreciation, cost segregation, qualified business income (QBI), and charitable trusts—that can help investors save thousands every year. Whether you're a high-income earner, W-2 employee, or a seasoned investor, these insights will help you optimize your portfolio and maximize returns.

⏰ Timestamps
00:00 – Intro & guest introduction
01:00 – Jim & Lorraine’s first real estate deal
03:00 – How tax strategy became their mission
04:30 – 2025 “Beautiful Bill” explained: what changed for investors
05:00 – 100% Bonus Depreciation returns!
06:00 – QBI (Qualified Business Income) made permanent
07:40 – State & Local Tax (SALT) deduction increase to $40,000
09:00 – How stacking tax strategies builds long-term wealth
10:30 – Real estate professional status vs. W-2 income
14:00 – Real estate vs. mutual funds: tax-free growth comparison
15:00 – Workhorse strategies (Augusta Rule, kids on payroll, etc.)
17:00 – Charitable trust strategy for high-income investors
20:00 – 1031 exchanges confirmed under new law
25:00 – Opportunity Zones extended — how to qualify
27:00 – Common CPA mistakes & missed deductions
29:00 – Why implementation matters more than theory
32:00 – Using IRAs & Roth conversions for real estate
36:00 – The 21% flat tax for C-Corps and health reimbursement perks

🗓️ 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

📧 Questions? Email us: podcast@renttoretirement.com⁠

#RealEstateInvesting #TaxStrategy #BonusDepreciation #CostSegregation #OpportunityZones #PassiveIncome #FinancialFreedom #RentToRetirement #QBI #TaxSavings #CharitableTrust #2025Taxes #W2Investors #WealthBuilding #JimConaway #LorraineConaway