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

Stop Overpaying Taxes! 💸 Real Estate Investor Strategies for 2025 Explained

Oct 9, 2025

Join Jim Conaway, founder of JCA Tax and a seasoned real estate investor, alongside Lorraine Conaway, tax strategist extraordinaire. They dive into the exciting 2025 tax changes, revealing game-changing strategies like 100% bonus depreciation and the impact of SALT deductions. Learn how to leverage cost segregation and charitable trusts to optimize your tax savings. Discover why real estate outshines mutual funds, and get pro tips on avoiding common tax preparation pitfalls. Get ready to transform your tax approach and build your wealth!

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ANECDOTE

First Deal Became A Win-Win

Jim and Lorraine bought a HUD property in the 1990s, rented it, and later helped the tenant buy it.
The deal made money and created a long-term, high-quality tenant relationship.

INSIGHT

Tax Strategy From Early Missed Savings

Jim and Lorraine shifted from investing to tax strategy after seeing missed tax savings early on.
They built a tax-focused practice after realizing proper structure could save thousands.

INSIGHT

100% Bonus Depreciation Returns

The 2025 law restored 100% bonus depreciation, enabling cost segregation to offset positive cash flow.
Investors can now use accelerated depreciation without needing real estate professional status to offset income.

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💼 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

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