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

To learn more about the limited time, 50% discount on RTR Academy program, click https://bit.ly/rtracademyThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner. https://bamcapital.com/rtr/PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR’s income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementIn this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Tony J. Robinson, co-host of the Real Estate Rookie Podcast and one-half of the Real Estate Robinsons.Tony shares how he went from a busy W-2 job to building a 15-property short-term rental portfolio in just one year, even during the uncertainty of 2020. From BRRRRs to boutique hotels, Tony breaks down the mindset, strategies, and partnerships that fueled his rapid growth in real estate.👉 Whether you're looking to buy your first property or scale your portfolio, this episode is packed with actionable advice, investor-friendly loan strategies, and hard-won lessons.⏱️ Timestamps:00:00 – Intro: Meet Tony Robinson01:00 – From W-2 manager to first real estate deal02:00 – Why Tony invested out-of-state in Louisiana04:30 – Using a local credit union for 100% BRRRR financing06:00 – How mindset made the first deal possible08:00 – Team-building through lender referrals10:30 – A $30K loss: lessons from buying in a flood zone13:00 – The importance of your first deal (it's not about the money)15:00 – Getting started with BiggerPockets17:00 – Humble Hustle: Tony’s guiding philosophy21:00 – Short-term rental market: hype, correction & future24:00 – What makes a great STR operator?26:00 – STR design, budgeting & what newbies miss28:00 – Scaling from 3 to 15 rentals in 1 year30:00 – Partnering for scale: deal structures explained32:00 – Cost segregation & major tax benefits📲 Start your investing journey today:Book a call and browse available properties at https://www.renttoretirement.com📩 Want to be featured on the podcast? Email us at:podcast@renttoretirement.com🎙️ Follow Tony Robinson:Instagram: @tonyjrobinsonYouTube: The Real Estate RobinsonsPodcast: Real Estate Rookie Podcast (BiggerPockets)👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: ⁠⁠https://www.renttoretirement.com⁠⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!#RealEstateInvesting #ShortTermRentals #PassiveIncome #TonyRobinson #BiggerPockets #RentToRetirement #STRinvesting #BoutiqueHotels #FinancialFreedom

Tim Rowen, Director of Sales Success at Figure Lending, shares his expertise on leveraging Home Equity Lines of Credit (HELOCs) for investment properties. He explains how investors can access equity quickly without refinancing, boosting their portfolios strategically. The discussion delves into the advantages of HELOCs, such as flexible payment structures and enhanced liquidity. Tim also outlines the technology behind Figure's platform and highlights the importance of understanding loan-to-value ratios for effective financial planning.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR’s preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.🏡 What’s happening in the market? Mortgage rates are dipping, inventory is still tight, and both mom-and-pop and investor activity is surging again. Adam and Zach explain what this means for pricing, demand, and appreciation over the next few years—and how to get ahead of it.💰 Big news: 100% Bonus Depreciation is coming back! If the current bill in the Senate passes, real estate investors could again leverage full first-year depreciation starting in 2025. Zach shares exactly how this can help you offset your income and lower your tax bill dramatically, whether you're a seasoned pro or a first-time investor.🧠 Key Timestamps:0:00 – Introduction: Market momentum and key updates1:10 – Mortgage rates & buyer activity: What the data is showing2:45 – Inventory trends & why they still favor sellers6:00 – State-by-state inventory shifts and what they mean for investors10:00 – Loan strategy: Why DSCR loans might beat conventional in 202516:50 – 🔥 Tax time: The return of 100% Bonus Depreciation19:00 – Real estate professional status & short-term rental tax strategies21:00 – Strategic tax planning for long-term wealth growth22:50 – The importance of using the right CPA and lender23:30 – How to build your personalized investment strategy🎯 Ready to take the next step?Visit https://www.renttoretirement.com to explore turnkey inventory and schedule your free strategy call with our team.📧 Got a question or story to share?Email us at: ⁠podcast@renttoretirement.com⁠👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠ 🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!#BonusDepreciation #RealEstateInvesting #TaxStrategy #DSCRLoans #TurnkeyProperties #RentToRetirement #ZachLemaster #PassiveIncome #WealthBuilding #RealEstatePodcast

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrAre you leaving money on the table as a real estate investor? 💰 In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Adam from Nevada Corporate Headquarters (NCH) to break down everything you need to know about business credit—how to build it, use it, and leverage it to scale your portfolio without wrecking your personal credit.Learn why most investors are doing business credit all wrong, how to structure your LLC for success, and why separating business and personal credit is key to sustainable growth. This episode is packed with expert tips and actionable advice for both new and seasoned investors.📌 Timestamps00:00 – Intro to the episode & guest from NCH01:07 – What is business credit and why it matters02:34 – How to keep business credit separate from personal04:31 – Credit agencies & how business credit scores work05:18 – How to build an 80+ Paydex score in months07:08 – Why business credit is essential for scaling real estate08:53 – Common mistakes that hurt personal credit10:18 – Using credit for down payments and repairs11:27 – Vendor credit vs traditional credit cards13:01 – Utilization rules for business vs personal14:51 – Can you use business credit across multiple LLCs?17:04 – Avoiding co-mingling & tax-deductible interest18:17 – Real estate funded by business credit20:26 – When to start building business credit (Hint: NOW)🎯 Get connected with NCH: Check the link in the description to schedule a free consultation about forming your LLC, building credit, and more. https://nchinc.com/rtr📧 Got a question or story to share?Email us at: ⁠podcast@renttoretirement.com⁠👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: ⁠⁠https://www.renttoretirement.com⁠⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE: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 loans00:45 – Why conventional loans aren’t always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn’t a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers📧 Got a question or story to share?Email us at: ⁠podcast@renttoretirement.com⁠👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: ⁠⁠https://www.renttoretirement.com⁠⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!

Carrie Cook, President of Ignite Funding, specializes in real estate-backed note investments. She shares her journey from active rentals to passive income through note investing, allowing everyday investors to earn 10-12% returns with minimal hassle. Carrie highlights the importance of transparency and rigorous due diligence, presenting a safer alternative to traditional syndications. Listeners will learn about the benefits of diversification, the significance of holding a first lien position, and how to navigate potential borrower defaults for greater opportunities.

This episode is sponsored by…TARDUS:Get expert financial education and build your Income Snowball at https://renttoretirement.com/tarduswealthNCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIn this solo episode, Adam Schroeder dives into one of the most overlooked yet crucial aspects of real estate investing: strategy. Whether you're a new investor or building your tenth property, Adam reveals why chasing ROI across markets can hurt your long-term success and how a focused strategy built on relationships, stability, and team-building will consistently perform short-term gains.From selecting the right market to dealing with underperforming property managers, Adam shares the lessons learned from years of helping investors scale smarter, not harder. You'll also hear insights on portfolio diversification, when to pivot from rehabs to new builds, and how to set realistic expectations for growth.🔑 Key Topics Covered:00:00 – Why strategy is everything in real estate investing01:25 – Building essential relationships: lenders, insurers, property managers03:00 – The risks of working with the wrong property manager05:00 – The hidden costs of switching teams mid-strategy06:42 – Is chasing a 1-2% higher ROI really worth it?08:52 – Rehab vs. new build: long-term cash flow & tenant quality11:40 – Two ways to diversify your portfolio12:49 – Tips for self-managing properties the right way13:41 – Common investor mistakes when entering multiple markets15:05 – The importance of honest strategy alignment with your risk tolerance16:26 – How Rent To Retirement can help you build the right strategy📞 Book your strategy session:⁠https://bit.ly/3EE6KjZ📧 Got a question or story to share?Email us at: podcast@renttoretirement.com👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠🗓️ Schedule a Free Consultation:⁠https://bit.ly/3EE6KjZhttps://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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!

🔥 LIMITED TIME PROPERTY FIRE SALE! 🔥Join Adam Schroeder and Zach Lemaster as they reveal the best real estate investment deals of 2025! We're talking about brand-new construction homes in Elgin, SC, and Cambridge, MN with $25,000-$33,000 incentives, cash flow up to $777/month, and ROI up to 20%! 💰These exclusive builder discounts are ONLY available through Rent To Retirement and are valid until the end of the month – or until these properties sell out. Don’t miss out on getting immediate equity, cash back at closing, or buying with no money down using our 5% down loan options.📍 Highlights:00:00 – Intro: Why this is the BEST DEAL of 202500:46 – How Rent To Retirement secures exclusive discounts 🏡01:59 – Institutional-level buying power for individual investors 💼02:17 – $25K-$33K incentives explained: cash back, equity, rate buydown03:07 – Elgin, SC: Fastest growing market, 11% incentive ($33K!) 📊04:49 – Rent growth & appreciation data in South Carolina 📈06:36 – Why this firesale won’t last – limited inventory ⏳08:19 – Cambridge, MN: 9% incentive in Twin Cities growth market 🌆10:22 – Population boom in Minneapolis suburbs 🚀11:13 – How to reserve your property before they’re gone!🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!

This episode is sponsored by…HEMLANE:Find better, more transparent property management with Hemlane at ⁠https://www.hemlane.com/lp/rent-to-retirement/⁠ NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrPPR CAPITAL:Build long-term wealth through passive real estate investing with PPR’s income and opportunity funds: https://pprcapitalmgmt.com/rent-to-retirement/Are you tired of poor communication and outrageous maintenance fees from traditional property managers? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Logan from Hemlane, a platform that’s disrupting the property management space and making self-management easier than ever.Hemlane is helping investors nationwide take control of their rentals—without giving up their time, peace of mind, or performance. Whether you have 1 or 50 properties, Hemlane’s tiered approach allows you to choose how hands-on (or hands-off) you want to be.📌 In This Episode You’ll Learn:00:00 – Intro & Meet Logan from Hemlane00:49 – What is Hemlane and who is it for?02:00 – Why visibility and control matter in property management02:42 – The 4 major pain points Hemlane solves03:53 – How Hemlane supports real estate professional status05:06 – Hemlane’s 3-tiered service breakdown06:14 – How leasing and maintenance work remotely08:03 – Vetting maintenance vendors & cost controls09:14 – How Hemlane helps improve performance and ROI10:48 – Fee structures vs. actual return on investment11:27 – Hemlane’s client satisfaction & retention stats12:15 – Which Hemlane plan fits YOUR investment style?🔗 Explore Hemlane: https://www.hemlane.com/lp/rent-to-retirement/💬 Mention Rent To Retirement for personalized support!👉 Subscribe for more real estate investing insights and interviews!👍 Like this episode if you learned something new🔔 Hit the bell so you never miss an update🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!

This episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR’s income and opportunity funds: https://pprcapitalmgmt.com/rent-to-retirement/Ever wondered how to invest in real estate without tenants, toilets, or the headaches of property management? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Dave Van Horn, co-founder of PPR Capital, to break down the world of note investing, a lesser-known but incredibly powerful way to build passive income backed by real estate.Whether you're a seasoned investor or just learning the ropes, Dave delivers a masterclass on how mortgage note investing works, the difference between performing and non-performing notes, and why this strategy can provide secure, diversified, and high-yield returns, especially for accredited investors.👇 Timestamps & Highlights:00:00 - Introduction to Dave Van Horn & PPR Capital01:00 - Dave’s first real estate experience in the 80s02:15 - Transition from property investor to note investor03:30 - What is note investing? Explained simply05:00 - Investing without tenants, toilets, or termites06:10 - How Dave started with private lending and seller financing08:20 - Institutional vs. private notes: What you need to know10:00 - Creating notes with family & “being the bank”13:35 - How PPR Capital buys notes and earns from NPLs16:00 - Foreclosure timelines, geographic pricing, and risk18:45 - Exit strategies: borrower vs. property21:00 - Turning non-performing notes into re-performing assets25:00 - Due diligence and portfolio diversification27:00 - Investing passively with PPR Capital29:00 - What is an accredited investor & how to qualify30:30 - Minimum investments, liquidity, and returns33:00 - Fund structure, audits, and the team behind PPR35:00 - How Dave diversifies across alternative investmentsPPR CAPITAL:Build long-term wealth through passive real estate investing with PPR’s income and opportunity funds: ⁠https://pprcapitalmgmt.com/renttoretirement👍 Don’t forget to LIKE, SUBSCRIBE, and TURN ON NOTIFICATIONS to never miss a wealth-building episode!🌐 Explore turnkey investing opportunities: ⁠https://www.renttoretirement.com⁠🗓️ 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📩 Have Questions for the Podcast?Send them to: ⁠podcast@renttoretirement.com⁠Your question might be answered in a future episode!