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

Oklahoma may not have the sexy allure of a big city in America, but there’s a lot going on in it that makes it extremely attractive to investors. With relatively low taxes, population and job growth, and extremely solid rental numbers, we’re seeing great returns across the board.

Adam Schroeder and Zach Lemaster talk with Marc, the head of the build team in Tulsa, about his market, what he’s offering, and the property management team there.

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At the Bigger Pockets conference in Orlando, 2023, we were able to catch up with some Rent to Retirement investors. We were able to record some of their stories about how they got started investing and how Rent to Retirement was able to assist in their journey.

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You can choose to continue down the “traditional” path of investing, or you can actively choose to take charge of your finances and take a road less traveled.

Adam Schroeder and Zach Lemaster talk with Rent to Retirement investor Aaron about his journey so far. The three touch on Aaron’s overcoming analysis paralysis, how to form successful partnerships, and what his next steps are to continue his investing journey.

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Starting off with a commercial building he bought from his own family, Chad Zdenek jumped right into the deep end of real estate investing.

After that foray, Chad had to find his next deal, and his next, and his next, and they weren’t all in the same space of real estate.

Adam Schroeder and Zach Lemaster talk with Chad about how to vet deals, learning underwriting as an investor, finding mentors, how to handle the challenges that real estate is GOING to throw at you and even how self storage investing works

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Everyone starts somewhere. That can be hard to remember when you haven’t bought an investment property yet and you’re looking at all the people who seem to have big portfolios. You wonder whether you can ever reach the level they’re at.

It happens to everyone at some point.

Adam Schroeder, Cori Zigman, and Zach Lemaster talk with Rent to Retirement investor James about his journey in real estate, WHY he started, the lull between investing and really seeing returns, and how other people can follow his path.

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You’ve seen our offerings for 5% down on new builds in Alabama and Florida over the past several months. This allows you to get into a property for significantly less money than normal and scale your portfolio. The downside is that you’re negative several hundred dollars a month on most of those properties.

But what if you could get into a property for 5% down and be break even or even positive cash flow?

Adam Schroeder talks with the Ohio rehab team leader about the opportunity for this in the market. The two discuss what’s happening in the area that is causing rent growth and appreciation, as well as what incentives are being offered to protect investors from unexpected maintenance costs that people worry about with rehabs.

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We just launched our REI educational program to give you all the tools and coaching you need to achieve financial freedom through RE investing

The Rent To Retirement Academy is here to provide you with all the key education, tools, and resources to learn how to build a sustainable real estate investment portfolio. This will allow you to achieve financial freedom & generational wealth!

Vetting out a market is a very important thing for every investor to do. In our research here at Rent to Retirement we found a place in South Carolina where the numbers make sense, we have a good team, and we think the future is bright. 

Listen in as Zach Lemaster and Adam Schroeder talk with the South Carolina team about what’s driving the market, market demographics, what the deals look like, and more.

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Getting started with a $2,000 manufactured home that needs renovation isn’t the typical start to a real estate investor’s journey. But when you can solve someone’s problem (and still make money), it can be a great place.

Adam Schroeder talks with Ben Nelson, host of The Everyday Real Estate Investor, about his start to his investing career, how he knew when it was time to change his investing strategy, how he vets out markets, his criteria for determining whether a property is worth his time, avoiding shiny object syndrome, and more.

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Higher interest rates are leading many people to be fearful of investing in real estate. In reality, interest rates should never be the thing that holds you back when you’re looking to build out a real portfolio.

Today’s market is actually presenting investors a buying opportunity that we never saw during Covid. After years of low rates causing properties to fly off the shelves for over list price, you can now actually take your time, do your due diligence, and acquire the asset you really want.

Adam Schroeder and Zach Lemaster talk about how you should be utilizing interest rates right now, different loan options you can take advantage of, and what you should be analyzing when looking at your future portfolio.

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Pensions sound great, but there are too many instances of them failing workers due to scandal/bankruptcy/etc for it to be the only thing you rely on in retirement. Rent to Retirement client Jeff realized this and knew he needed to start taking action to make sure he and his family were set up for success once he retired.

Listen in as Adam Schroeder and Zach Lemaster talk with Jeff about how he’s started his journey and where he sees himself going from here.

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When you hear the word “leverage” you think about things like your mortgage or loans of some sort. What few people think about, however, is how they can leverage their life insurance to help them scale their portfolio.

Adam Schroeder and Zach Lemaster talk with Chris Reid about how people can start their policy and set it up in a way that they are able to utilize it as part of their long term wealth building strategy.

Book a call with Chris: https://calendly.com/c-s-reid/appointment

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So much of getting ahead in your investing journey is making sure that you don’t get left behind in the first place. The starting point of all of that is making sure you have the right teams in place. Doesn’t matter if you’re wholesaling, flipping, BRRRR, or buying turnkey, it all starts with the right team.

Adam Schroeder talks with Dave Wolcott, founder of Pantheon Investments, about the importance of teams, investing through the Great Recession, some of the big mistakes investors make, and how to realize when it’s time to move on and fire a team member.

Learn more at: www.PantheonInvest.com

https://www.PantheonInvest.com/wealth-strategy

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Being in the path of progress is the way to expedite your returns through significant appreciation and rent growth (while still being positive cash flow day 1). One of the best places to do that today is in the southeast, and specifically in Florida.

Adam Schroeder and Zach Lemaster talk with their boots on the ground builder in Florida about what markets they are building in (and why), what the driving factor is behind all the movement, and long term prospects of the area as you continue to grow your portfolio.

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The financial industry model is, for lack of a better word, broken. The usual pay structure doesn’t lend itself to your best interests being served.

Bradley Clark, founder of Clark Asset Management, joins Adam Schroeder and Zach Lemaster to talk about how he’s trying to turn the industry on its head, whether some of the common financial advice “rules” are worth their weight, and more.

When people think of investing in land, the United States isn’t at the top of most people’s mind. You think of places like Belize or Panama or anywhere other than the US, but there are still opportunities available for success in the space here.

Adam Schroeder and Zach Lemaster talk with Chris Rawley, founder and CEO of Harvest Returns, about how he’s been successful investing in land in the US, and how investors can follow his blueprint to get solid returns on their own.

Investing during your life requires you to take calculated risks. It’s difficult to build a large portfolio without taking some chances. There are smart ways to do it and there are dangerous ways to do it, but it’s needed.

But after you create your generational wealth, what do you do to protect it after you die (which is something 100% of people in history have done)?

Adam Schroeder and Zach Lemaster talk with John Ross, founder of Ross & Shoalmire, P.L.L.C., about how to properly pass your portfolio down to the next generation, what things you need to consider (and what you can ignore), as well as the simple steps you can take to get started in what seems like a daunting venture.

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Many investors tune out immediately when people start talking about cost segregation studies because they aren’t a real estate professional. What’s the point of learning about them when your full time job means you can’t use it to offset your active income?

Zach Lemaster and Adam Schroeder talk with Steve Trussell, Rent to Retirement’s resident cost segregation expert, about how cost segregations can be utilized by the average investor, as well as why, if you’re going to do it, sooner is better than later.

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Leaving the “rat race” is something everyone dreams of. But sometimes it’s foisted on you and you have a decision to make. Bernard was impacted significantly by the Covid guidelines and ended up in a position where he could go all in on real estate investing to offset the income he lost. 

After deciding on turnkey as the way to go, and new construction specifically, Bernard started acquiring properties as quickly as he could in growing areas that have allowed him to replace his W2 income in only 18 months. 

Adam Schroeder and Zach Lemaster talk with him about how he’s been able to do it, what’s next for him, and why he chose real estate out of all the paths he could have taken.

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Whole life insurance isn’t something a ton of people have. Many people get term life insurance after they have kids, but don’t think about doing whole life. But there’s a way to scale your real estate portfolio using insurance that can help you become a successful investor.

Adam Schroeder talks with Sarry Ibrahim, founder of Financial Asset Protection, about how to set up and utilize your whole life insurance so that you can put your money to use quickly and efficiently.

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With several markets to choose from, how do you know which one is the right choice for you?

Rent To Retirement CEO and Founder, Zach Lemaster, discusses the factors to consider when selecting a real estate investing market. He talks about the key things to consider, such as: landlord friendly legislation, supply and demand, Rent-to-price ratio, and many more. He shares his expertise and proven success methods in order to help you become a better investor. You will be able to become an expert on the real estate markets and ensure that you are choosing the right one for you!

Identifying the right market and building the right team is what will make you successful as a real estate investor. You have to step outside your comfort zone of buying near where you live and start looking at where it actually makes sense to buy.

Adam Schroeder and Zach Lemaster dive into what things you need to find in a location that make it possible for you to succeed, as well as what to look for in those teams.

Everyone has their own real estate journey. You hear the stories of people who get 100 doors in their first year, but that's not reality for most investors.

Adam Schroeder talks with John Munayer about his journey so far and where he's headed.

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Letting other people earn you double digit returns while you do nothing is a very enticing opportunity. When it comes to fruition it’s a fantastic thing. Unfortunately, it doesn’t always come to that point, however, and it can leave you in a very vulnerable position.

Adam Schroeder, Zach Lemaster, and Cori Zigman discuss investing in syndications: when things have gone right, wrong, and when you end up stuck in limbo. The 3 explore how you can protect yourself from the outset of the investment and set yourself up in the safest way possible.

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RTR Active Inventory

Getting out of the corporate grind is something that everyone strives for. Just before the pandemic started, Spencer Hilligoss managed to achieve his financial independence from his day job.

Adam Schroeder talks with Spencer, founder of Madison Investing, about his real estate journey, how he gained confidence as he continued investing, and Spencer’s 5 part process for vetting deals across multiple real estate asset classes.

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Short-term rental investing is a true business that you work in. It’s different from long term investing and you have to go about doing your due diligence differently as well.

Zach Lemaster talks with Thomas Barry, co-owner of Hosting From the Heart (who’s staying at one of Zach’s short-term rental properties), about how to find, evaluate, and run your short-term rental business so that you can operate at the top of the listings.

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Short term rental markets all have different seasonality factors to them. Some are good year round, while some are barren during a chunk of the year. Plus, with the amount of STRs that are in the market today, how do you stand out in the field?

Adam Schroeder speaks with Hersh Rai and Clif Luber from Serenity Stays about how they evaluate short term rental markets, make sure they’re not entering a market that’s too saturated, ensure they’re not getting into an area about to crack down on STRs with legislation, and more.

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Taking a “risk” on real estate investing can be a hurdle for potential investors. But, whether you like it or not, every single action you take (or don’t take) has risk attached to it.

Zach Lemaster and Adam Schroeder examine some of the ways that you can reduce your risk, while still taking action to put yourself in a better position moving forward.

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The term “side hustle” has become commonplace in the last few years. Some can make you a few bucks here and there, while others can potentially significantly increase your income. All of these streams can allow you to grow your investment portfolio much faster than simply saving your W2 or 1099 income to get the next down payment for a property.

Adam Schroeder and Zach Lemaster talk with Sam Haack about the creative ways he’s been increasing his income over the last few years, and how other people can emulate what he’s doing.

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There’s no shortage of advice for being successful in real estate investing. Who you listen to can make a big impact on your long term success.

Zach Lemaster breaks down the top 5 things that he’s done as an investor that have made him successful that anyone can emulate as they progress along their journey.

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Achieving financial independence is something everyone strives for. There are many paths, but eventually most people’s goal is to get out of the rat race and do what they love doing with their time. 

Chris Larsen is no exception. After achieving great success in business he took a new path to success. Now he’s the proud owner of an investment most people don’t even consider: car washes. This little considered investment is something he’s able to get into without competing with the major Wall Street money and create a niche for himself that generates substantial (relatively) passive income.

Zach Lemaster and Adam Schroeder talk with Chris about his journey, how investing in car washes work, and how you actually run due diligence on an investment like this.

Different asset classes require different market dynamics. Most markets tend to favor one or another when it comes to short term versus long term.

Some markets, however, have the ability to support both.

Adam Schroeder and Erica Muller discuss short term rental markets and identify how to tell if a market is saturated, figuring out what type of property you need, and what emerging market supports both of them.

Learn more at: https://www.renttoretirement.com/findstr

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Investing through your retirement accounts can be trickier than many people want. With all the regulations about not working inside your account and when you can have access to your returns, many people decide that it’s not the way for them.

Ohio team leader Steve, however, has started using his retirement accounts in a creative way that allows him to grow his funds for his real estate investments. He explains what he’s doing to Zach Lemaster and Adam Schroeder.

The three also go over why Akron, OH continues to be a good market to invest in and what things are happening inside the city that make it a good long term play as well.

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A little while back, Rent To Retirement has the opportunity to take over the BiggerPockets Instagram page. We did an all day take over, where we collaborated on real estate posts and did a live video with Q&A. We thought that everyone should have a chance to listen to this! Join us on this 3 part podcast and listen to Zach and Adam discuss the important factors of investing out of state.

This is part 3 of the series. Parts 1 and 2 are available on our podcast platforms.

***Don’t forget to leave a review, take a screenshot, and send the picture to podcast@renttoretirement.com to get your $10 gift card and be entered into our $500 closing cost credit to be drawn June 30, 2023***

To receive your copy of Zach’s Top 20 Markets to Invest in 2023, email your request to podcast@renttoretirement.com

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A little while back, Rent To Retirement has the opportunity to take over the BiggerPockets Instagram page. We did an all day take over, where we collaborated on real estate posts and did a live video with Q&A. We thought that everyone should have a chance to listen to this! Join us on this 3 part podcast and listen to Zach and Adam discuss the important factors of investing out of state.

This is part 2 of the series. Part 1 is available on our podcast platforms. Part 3 is coming soon!

***Don’t forget to leave a review, take a screenshot, and send the picture to podcast@renttoretirement.com to get your $10 gift card and be entered into our $500 closing cost credit to be drawn June 30, 2023***

To receive your copy of Zach’s Top 20 Markets to Invest in 2023, email your request to podcast@renttoretirement.com

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A little while back, Rent To Retirement has the opportunity to take over the BiggerPockets Instagram page. We did an all day take over, where we collaborated on real estate posts and did a live video with Q&A. We thought that everyone should have a chance to listen to this! Join us on this 3 part podcast and listen to Zach and Adam discuss how to invest out of state and the important things to know!

This is part 1 of the series. Parts 2 and 3 will be posted within the next week! Stay tuned!

***Don’t forget to leave a review, take a screenshot, and send the picture to podcast@renttoretirement.com to get your $10 gift card and be entered into our $500 closing cost credit to be drawn June 30, 2023***

To receive your copy of Zach’s Top 20 Markets to Invest in 2023, email your request to podcast@renttoretirement.com

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Getting transferred while serving in the military can be disrupting to your life, but it can also lead to you owning real estate all over the country. 

Joe Riley, CEO of Patriot Family Homes, talks about his real estate journey while serving in the military, what he’s learned about building teams in real estate, what to look for in a market to see if it’s primed for investors' success, and more.

The banking industry saw some pretty negative news earlier this year, causing many people to panic and think we are on our way back to 2008.

Adam Schroeder talks with Abby Shemesh, co-founder, Senior Managing Member & Chief Acquisitions Officer at Amerinote Xchange, about what’s happening and how people can consider starting to add note investing to their portfolio.

Abby has been operating within the primary and secondary mortgage markets for over two decades and his background lies in residential and commercial mortgage loan origination. He made the full transition into the secondary market and whole-loan acquisitions realm in early 2006. As an experienced debt-investor, Abby is also one of the expert contributors on the world of private note trading for Cash Flow Exclusive e-magazine.

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Imagine having an easy loan process that was expedited by technology that aided every single step of the way. Appraisals done in 15 minutes for what used to take a whole day, deals analyzed in a fraction of the time it used to take.

Laura Krashakova is doing her best to help investors in today’s market. She talks with Adam Schroeder about what’s happening technologically in real estate, where we are today versus in 2008, and what kind of real estate she’s bullish on in today’s market.

Website:

www.SmartCapital.center

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Zach goes solo on today's episode and breaks down this amazing offer we currently have. You can buy up to 5 properties in the Alabama market and not put any money down! Yes, that is 100% financing on these real estate investment properties. Listen as Zach explains how this works and what you can do with the money you're saving in order to turn that into more investments.

Investing in real estate while having a full time job (or even if you don’t and things go wrong) can be a very stressful part of your life. If you don’t have a good way to deal with the stress and headaches that come into your life, it can impact your life in severely negative ways.

Adam Schroeder and Zach Lemaster talk with Dr. Eric Holsapple about his real estate journey and how he’s used things like mindfulness and giving to escalate his business into the heights he’s achieved. 

Learn more here:

www.LivingInTheGap.org

After starting his real estate journey making a nice tenant mistake, Jennings Smith kept plugging away. He had a vision to have 1,000 units in his portfolio and wasn’t going to stop until he’d achieved it.

Jennings has continued his journey and now talks with Adam Schroeder about how he’s continued his journey, the importance of working with people who have been through market cycles, how to evaluate your deals to keep yourself safe, and how he could be 2 years ahead of where he is now with one simple change.

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Alabama is a fantastic market for real estate investors. With low property taxes, business friendly environments, and population growth, it’s a great long term play.

Adam Schroeder and Zach Lemaster are joined by the new construction team from Alabama. The group hit on all aspects of investing in new construction. From appreciation to rent growth to tax advantages, the local team provides a mix of short-term rentals and long-term rentals.

Listen in as the group explores the unique financing options available and how an investor can set themselves up for long term success in the market.

Coming to the United States with $500 in his pocket and some suitcases to play professional tennis, Andres Bernal used his income to start building his real estate portfolio. Knowing that someday tennis would be in the rear view mirror and he’d need a new stream of income, Andres began buying properties around him (though his first one wasn’t exactly the way he’d imagined it) and hasn’t stopped.

Listen in as Adam Schroeder talks with Andres about his journey, how he evaluates deals, how he’s scaled, and his big tip on how to partner with people who you believe are out of your league.

Many service members become landlords when they purchase a property and then get assigned to a new location, or when they purchase a duplex for their current assignment. The majority of them take advantage of the VA loan, which can give very favorable terms to buyers.

After receiving some terrible advice from a lender about using his VA loan, David Pere realized there was a need in the market for educating service members on how to utilize the benefits they’ve earned so that they can better their life. 

Listen in as Adam Schroeder and Zach Lemaster talk with David about his real estate journey, his mission to help investors, and how the VA loans can be used as an ultimate hedge against inflation (even more than real estate usually is)!

http://www.FromMilitaryToMillionaire.com

https://www.facebook.com/frommilitarytomillionaire/

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No road to financial freedom comes without its bumps. Some are mild humps, others can knock you out.

Iven Vian, co-founder and COO of Anthem Capital, Air Force Veteran, and real estate investor, joins Adam Schroeder and Zach Remaster to discuss his first deals. There was some good…there was some bad… But eventually he came out better educated and still in a good position. 

He’s now a large investor in multifamily projects and gives some tips on how to properly force appreciation in your deals. Iven has been involved in real estate for 15 years and has owned 3700 units. He has applied the skills he learned while serving in the US Air Force for 20 years to operational excellence and business plan execution.

Learn more at: http://www.AnthemCP.com

Financial freedom is the goal of nearly every real estate investor. Deciding when to leave, however, can be a complicated decision. But sometimes life chooses for you, which is the case with Rory and Jason. Jason took the plunge into full time real estate investing when things changed at his job, and has been steadily increasing their portfolio to continue his real estate professional role.

Listen in as Adam Schroeder and Zach Lemaster talk to Rory and Jason about their journey, how they’re scaling, and question Rory about how you can vet real estate attorneys.

The banking world was rocked when news of SVB’s collapse came to light. Stocks plummeted, investors feared, and the government had to step in and assure everyone that they would cover any accounts and nobody was losing any money.

But what happens next time (because you KNOW there will be a next time)?

Adam Schroeder and Zach Lemaster talk about how this situation occurred, what investors can do to protect themselves in this type of environment, and the real way to get ahead.

Schedule a Consultation

https://meetings.hubspot.com/support1729/rtr-consultation?__hstc=&__hssc=&hsCtaTracking=452552b8-3e55-456d-b52a-0a517c2f5933%7C17319fcc-f475-4d0c-8182-719c5bf30ce2

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