Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing The #1 Loan Strategy Most Real Estate Investors Are Missing
This episode is sponsored by…
NCH:
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HEMLANE:
Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/
In today’s market, defaulting to a conventional loan might be costing you more than you think.
Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.
You'll also hear why prepayment penalties aren’t always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.
If you’re building a portfolio in 2025, don’t skip this one.
⏱ Timestamps:
00:00 – Intro: What most investors get wrong about loans
00:45 – Why conventional loans aren’t always the best fit
01:22 – What is a DSCR loan & how it helps real estate investors
02:30 – Entity ownership, DTI benefits & DSCR flexibility
03:35 – DSCR vs. Conventional: Rates and cash flow
04:24 – Interest-only loans: how they work and who they benefit
05:40 – 2008 vs. now: why interest-only isn’t a red flag today
07:00 – Prepayment penalties explained: risk or reward?
13:35 – Hidden incentives for turnkey property buyers
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