Doors From a Distance

In this episode, Matthew Whitaker and Hunter Terryn underwrite three Birmingham-area rental houses from list price to verdict, using real rent numbers from the Evernest pricing team. Two did not make the cut, and the third went pending before they could act.

You'll learn:

• How to underwrite a rental in seven layers, from rent to reserves
• Why Zillow's rent estimate ran $95 to $170 too high on all three houses
• What would have to be true to turn a negative cash flow rental into a buy

Grow with Us!

• Run your own numbers with our Evernest rental calculator
• Ask Matthew, free AI trained on 460+ podcast episodes
• Get a free rent estimate on a deal you're looking at
• Talk to an investor-friendly agent on our team, free

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Link: Join the Evernest investor community at community.evernest.co/feed, where agents post deals and investors trade notes.

Link: To find real estate investor meetups in any market, check eventbrite.com.

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Terryn lay out the five-person team you need before buying your first out-of-state rental: a lender, an investor-friendly agent, a home inspector, a property manager, and an insurance agent.

You'll learn:

• The right order to build your investing team, starting with a lender
• The questions that separate a real investor-friendly agent from any agent
• What to ask a property manager and an insurance agent before you hire them

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Link: Join the Evernest investor community at community.evernest.co/feed, where agents post deals and investors trade notes.

Link: To find real estate investor meetups in any market, check eventbrite.com.

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Taran sit down with Josh Heintz from LendingOne to explain how DSCR loans work, using a real $250,000 house renting for $2,000 a month to walk through the math.

You'll learn:

• Why bank loans stop working after four or five rental properties
• How a DSCR loan is calculated, and what ratio you need to qualify
• What a prepayment penalty is and how to avoid or buy it out

Guest: Josh Heintz of LendingOne | Call Josh: (888) 987-1276

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Taran announce the real goal behind this portfolio, $100,000 in annual cash flow and $1,000,000 in equity in just over five years, and the four checks they use before buying in any market.

You'll learn:

• The actual five year goal and how many doors it will take to get there
• The four things to check before investing in any rental market
• Why Birmingham, Nashville, and Jackson, Mississippi landed in three different categories

Fact check: Jackson's largest employer isn't Jackson State, it's Mississippi's state government, about 31,500 employees, since Jackson is the state capital. The University of Mississippi Medical Center (about 7,200) and the nearby Nissan plant (about 4,000) round out the top three.

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Taran dig into going from one rental property to five, using Hunter's own portfolio, currently two doors, and his in-laws' 14-unit portfolio built for retirement as the real-world blueprint.

You'll learn:

• How reusing equity from your first property can fund your next down payment
• What actually has to change in your plan once you own more than one door
• Why most investors get stuck between door one and door five

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Terryn launch Doors from a Distance by breaking down why most investors need far fewer rental houses to retire than they think, drawing on Matthew's own arc of buying almost 100 houses between ages 23 and 27, losing nearly all of it in the 2008 crash, and starting over today at zero.

You'll learn:

• Why the "20 rental houses to retire" assumption is wrong, and how the real number depends on your goal
• The five people you need on your team before buying a rental out of state, from an investor friendly agent to the right insurance agent
• The four ways rental property actually pays you, cash flow, appreciation, loan paydown, and depreciation, with real numbers behind each one

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.

Doors From a Distance is a show for people with a day job who want to own rental property in cities they don't live in, without becoming a landlord. Your hosts are Evernest founder Matthew Whitaker, who manages thousands of rental homes across 50 markets, and co-host Hunter Terryn, who runs Evernest's sales team and owns rentals himself. Every episode, they sit down with real people, show real numbers, and walk through real deals, including the ones that didn't go as planned. This show is built for anyone who wants their money working for them in a market they've never set foot in.

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: [email protected]

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Production House: Flint Stone Media

Copyright of Evernest 2026.