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

This episode is sponsored by…

NCH:

Set up an LLC to protect your investments! – https://nchinc.com/rtr

Can a rental property help reduce your taxable W-2 income? 🏡 Matthew Seyoum and Tommy Brown break down the short-term rental loophole, cost segregation, and the questions investors should ask before pursuing this strategy in 2026.

Using a $300,000 property as an example, they discuss approximately $90,000 in potential deductions—and why a deduction is different from actual tax savings. They also explore material participation, Rent To Retirement’s tenant placement program, and how builder incentives can affect your investment numbers.

Whether you’re buying your first rental or expanding your portfolio, this episode offers a practical look at evaluating tax benefits alongside cash flow and your long-term goals.

📌 In this episode:

• Cost segregation versus the short-term rental tax strategy

• Material participation and the “substantially all” discussion

• Combining potential tax benefits with builder incentives

• Cash back, cash flow, and portfolio planning

• Depreciation recapture and considerations when selling

⏱️ Timestamps:

0:00 Introduction

0:08 RTR’s tenant placement program

1:30 How the STR strategy may offset active income

3:33 $300K property example: potential deductions

4:22 Cost segregation explained

5:55 Working with your tax professional

7:16 Real estate professional status and STR participation

9:19 The “substantially all” participation discussion

10:14 Combining tax benefits with builder incentives

12:32 Matthew’s investment example and cash-flow tradeoffs

13:10 Selling, depreciation recapture, and 1031 exchanges

14:30 Connect with an RTR investment strategist

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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://hubs.ly/Q04wZWv40

📺 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

#RealEstateInvesting #ShortTermRentalLoophole #CostSegregation #RentToRetirement #RentalProperties

👉 Click here: ⁠https://hubs.ly/Q04wZWv40⁠ to learn more about this program and speak with the RTR team to answer all your questions!

💰 How the 2026 Strategy Works

Learn how EVERYONE can use a cost segregation study to offset 5 or 6 figures of taxable income from your W2 (or any income source) in 2026, even if this is your very first rental! No real estate professional status needed!

Here’s how it works:

You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.

You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.

The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.

And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: ⁠https://hubs.ly/Q04wZWv40⁠ to learn more about this program and speak with the RTR team to answer all your questions!

⏱️ Timestamps

0:08 – How cost segregation can potentially offset active income

0:44 – Using the strategy with your very first rental property

1:11 – Combining RTR incentives with potential tax savings

2:18 – Why the 2026 program has limited availability

3:40 – How cost segregation works

4:26 – Using the short-term rental strategy without real estate professional status

5:14 – Passive losses vs. active income

5:37 – Important tax and legal disclaimer

5:59 – Estimating depreciation with a cost segregation study

6:53 – The 30% cost segregation example

7:23 – How a $300K property could generate an estimated $90K deduction

7:47 – Example: reducing $100K of taxable income

8:08 – What happens when deductions exceed your income

8:30 – Depreciation recapture and 1031 exchanges

8:54 – The short-term rental strategy explained

9:40 – The “substantially all” work test

10:12 – Three potential material participation paths

11:17 – Why the substantially-all test matters

11:39 – The under-7-day average stay requirement discussed

12:27 – Setting the property up on Airbnb

13:53 – Why the home does NOT need to be furnished for RTR’s placement

14:32 – What happens after the initial short-term rental stay

14:52 – Transitioning to property management in 2027

16:08 – Limited inventory and available new-construction properties

17:11 – Fort Pierce, Florida property example

17:56 – $339K property and 13% incentive breakdown

18:46 – Cash-back and cash-flow example

19:28 – Combining potential tax savings with RTR incentives

20:46 – Potential triple-digit ROI explained

21:29 – The 2–5 night RTR tenant placement process

22:47 – Alabama and Florida property examples

23:58 – Final recap and why timing matters in 2026

⚠️ Tax Disclaimer: This content is for educational purposes only and is not tax, legal, or financial advice. Tax outcomes depend on individual circumstances. Consult a qualified CPA, tax professional, or attorney regarding your specific situation.

👉 Click here: ⁠https://hubs.ly/Q04wZWv40⁠ to learn more about this program and speak with the RTR team to answer all your questions!

This episode is sponsored by…

NCH:

Set up an LLC to protect your investments! – https://nchinc.com/rtr

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

What did investors really have to say at BPCon 2026—and what could sitting on the sidelines cost you? 🏡

Matthew Seyoum and Tommy Brown share their biggest takeaways from the BiggerPockets conference, including how conversations have changed from previous years. From frustration with the BRRRR strategy to growing interest in turnkey rental properties, hear what investors are considering as they navigate today’s real estate market.

Whether you’re researching your first rental property or expanding your portfolio, this episode explores why investors are rethinking their strategies, widening their search, and looking beyond monthly cash flow.

📌 In this episode:

• Why some BRRRR investors are exploring turnkey rentals

• How investor expectations have shifted since past conferences

• Historical stock market declines and home price comparisons

• Four potential benefits of rental ownership: cash flow, tax advantages, appreciation, and loan paydown

• Builder incentives, interest rate buydowns, and the opportunity cost of waiting

• Portfolio diversification versus trying to time the market

⏱️ Timestamps:

00:00 – BPCon 2026 recap

02:06 – What investors are saying

04:39 – BRRRR challenges vs. turnkey rentals

06:25 – The cost of sitting out

09:17 – Stock market concerns and diversification

12:12 – Historical stocks vs. home prices

16:58 – Four benefits of rental ownership

20:38 – Waiting for the perfect market

22:15 – Builder incentives and market timing

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

#BPCon2026 #BiggerPockets #RealEstateInvesting #RentalProperties #RentToRetirement

This episode is sponsored by…

NCH:

Set up an LLC to protect your investments! – https://nchinc.com/rtr

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

Thinking about selling a rental property and reinvesting the proceeds? 🏡💰 A 1031 exchange can allow real estate investors to defer capital gains while moving their equity into another investment property—but the rules and deadlines matter.

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Aristotle from Excel 1031 to break down how 1031 exchanges work, what investors need to know before selling, and some of the most common mistakes that can derail an exchange.

They discuss the role of a qualified intermediary, depreciation and recapture, the critical 45-day identification and 180-day exchange deadlines, and how a reverse 1031 exchange works when you want to purchase your replacement property first.

Whether you're preparing for your first 1031 exchange or looking to move equity from an existing rental into a new investment opportunity, this episode provides a practical overview of the process.

⏱️ Timestamps

0:08 – Introduction

0:47 – Aristotle’s real estate & 1031 background

4:36 – What is a 1031 exchange?

6:07 – Depreciation, recapture & tax benefits

9:04 – Why you need a qualified intermediary

12:14 – A costly 1031 exchange mistake

13:51 – The 45-day & 180-day rules

17:11 – What is a reverse 1031 exchange?

18:30 – When should an investor consider a 1031?

20:27 – 1031 exchanges & long-term wealth

21:30 – Connecting with Excel 1031

🏠 Already working with a Rent To Retirement strategist? Reach out to our team early in the process so we can help you evaluate replacement-property options and prepare for your 1031 exchange deadlines.

👉 Subscribe to Rent To Retirement for more real estate investing strategies, turnkey rental opportunities, tax education, and insights designed to help you build your portfolio.

⚠️ This episode is for educational purposes only and is not tax, legal, or financial advice. Speak with your CPA, tax professional, and qualified intermediary regarding your specific situation.

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

#1031Exchange #RealEstateInvesting #RentalProperty #CapitalGains #RealEstateTaxes #TurnkeyRealEstate #RentToRetirement

This episode is sponsored by…

NCH:

Set up an LLC to protect your investments! – https://nchinc.com/rtr

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

💰 What’s your monthly cash flow number—the income you would need to make work optional?

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum talks with veterinarian and investor Laura about selling her practice, keeping the commercial real estate, and collecting rental income from the building.

Laura shares lessons from her investing wins and losses, explains why cash flow guides her financial goals, and discusses how education and a better money mindset can help investors move past fear. They also explore turnkey rental properties for busy professionals and her book, Everything Is Funny When You’re Making Money.

🏡 Whether you’re exploring real estate investing for beginners or building a more diverse portfolio, this conversation offers a practical starting point for defining your goals.

⏱️ TIMESTAMPS

0:00 – Meet Laura

0:40 – From veterinarian to investor

2:23 – Making investing approachable

5:17 – Selling the practice, keeping the building

6:24 – Investing wins, losses & mindset

8:04 – Fear and personal risk tolerance

11:33 – Finding your cash flow number

12:54 – Starting small and getting started

13:42 – Laura’s investing book

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

🏡 Could your next rental property help lower your tax bill? Discover how cost segregation, bonus depreciation, and the short-term rental tax loophole can create potential tax savings—and what it takes to qualify.

In this episode of the Rent To Retirement Podcast, Zach Lemaster sits down with Amanda Han and Matt McFarland of Keystone CPA to discuss real estate tax strategies for 2026. They explain the difference between filing taxes and proactive tax planning, commonly overlooked deductions, and when rental losses may help offset W-2 and other income.

Then, co-host Matthew Seyoum joins Zach to walk through Rent To Retirement’s short-term rental tenant placement program and new construction investment examples in Florida and Alabama.

💡 Learn about:

• Rental property deductions, including home office expenses and hiring your children

• The $25,000 rental loss allowance and income limitations

• Cost segregation and 100% bonus depreciation

• Real estate professional status and material participation

• The short-term rental “substantially all” participation test

• 1031 exchanges, depreciation recapture, and long-term tax planning

• Builder incentives and potential tax savings in property projections

⏱️ TIMESTAMPS

0:00 – Introduction

2:30 – Tax planning vs. tax filing

6:08 – Real estate tax benefits

10:49 – How wealthy investors plan

14:24 – Rental property deductions

17:02 – Hiring your children

19:00 – Home office deductions

20:21 – The $25,000 rental loss allowance

23:52 – Accelerated depreciation

26:17 – Real estate professional status

28:27 – Short-term rental tax loophole

31:02 – Material participation tests

35:21 – Cost segregation explained

36:22 – 1031 exchanges and legacy planning

39:47 – Tax changes for 2026

41:53 – Multiyear tax strategies

47:14 – RTR’s tenant placement program

51:48 – Incentives and tax savings example

55:07 – Poinciana, Florida

59:36 – Vance, Alabama

1:00:23 – Kimberly, Alabama

1:01:55 – Additional markets and next steps

📲 Explore available investment properties and connect with the Rent To Retirement team: https://hubs.ly/Q04wZWv40

Tax benefits depend on individual circumstances and qualification requirements. Property figures discussed are illustrative projections, not guaranteed returns. Review any strategy with your tax professional.

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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://hubs.ly/Q04wZWv40

📺 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

#RealEstateInvesting #TaxPlanning #AmandaHan #CostSegregation #ShortTermRentals #RentToRetirement

🎥 Want the full breakdown? Watch the longer version of this video for a deeper explanation of the 2026 STR tax strategy, qualification requirements, cost segregation, and real property examples.

https://youtu.be/BQWtZNiXfjQ

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

What if your first rental property could potentially help you offset 5 or even 6 figures of taxable income in 2026? 🏠💰

In this episode of the Rent To Retirement Podcast, we break down how cost segregation, accelerated depreciation, and a short-term rental strategy can potentially create substantial tax deductions against W2 income, business income, and other active income sources.

💰 How the 2026 Strategy Works

Learn how EVERYONE can use a cost segregation study to offset 5 or 6 figures of taxable income from your W2 (or any income source) in 2026, even if this is your very first rental! No real estate professional status needed!

Here’s how it works:

You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.

You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.

The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.

And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

⏱️ Timestamps

0:09 – 2026 Real Estate Tax Benefits

0:31 – Cost Segregation Explained

0:53 – Offsetting W-2 Income

1:31 – STR Tax Loophole Explained

2:20 – $90K Deduction Example

3:34 – Ways to Qualify

5:46 – How the RTR Program Works

6:31 – STR Tenant Placement

6:56 – No Furnishing Required

8:28 – Tax Savings & ROI

9:26 – Up to 13% Cash Back

10:44 – $102K Deduction Example

11:41 – Combining Cash Back + Tax Savings

13:39 – Property Examples

14:52 – Final Takeaways

⚠️ Tax Disclaimer: This content is for educational purposes only and is not tax, legal, or financial advice. Tax outcomes depend on individual circumstances. Consult a qualified CPA, tax professional, or attorney regarding your specific situation.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

👍 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://hubs.ly/Q04wZWv40

📺 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

This episode is sponsored by…

NCH:

Set up an LLC to protect your investments! – https://nchinc.com/rtr

BLUPRINT HOME LOANS:

Get pre-approved with one of RTR’s preferred lenders at - https://bluprinthomeloans.com/renttoretirement/

What if your retirement account could invest in real estate instead of being limited to traditional stocks and funds?

In this episode of the Rent To Retirement Podcast, host Matthew Seyoum explores how self-directed retirement accounts can give investors greater control over where their retirement capital is deployed. The conversation covers Self-Directed IRAs, Solo 401(k)s, checkbook control, rental property investing, Roth strategies, prohibited transactions, and more.

You’ll also learn an important distinction many investors misunderstand: when retirement funds purchase real estate, the retirement plan owns the property, receives the rental income, and pays the associated expenses rather than the individual investor personally.

⏱️ Episode Highlights

0:08 – Introduction & real estate investing background

5:56 – What Sense Financial does

6:20 – Checkbook IRA & Solo 401(k) explained

7:38 – Investing retirement funds into real estate

9:08 – How a retirement account actually buys property

11:22 – Prohibited transactions & disqualified parties

13:12 – Solo 401(k) requirements and contribution strategies

14:06 – Mega Backdoor Roth strategy

15:11 – Roth conversions using real estate

17:04 – Finding the right experts to implement your strategy

18:20 – The danger of leaving retirement capital sitting idle

19:03 – Investing in what you know and understand

20:39 – Why it may not be too late to start investing

The episode also discusses how self-direction can allow investors to allocate retirement capital toward investments they understand and control, including rental properties, private lending, syndications, and other permitted alternative assets.

📧 Got a question or story to share?

Email us at: ⁠[email protected]⁠

👍 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/3QSPEoS

📺 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: ⁠[email protected]⁠

Your question might be answered in a future episode!

#RealEstateInvesting #SelfDirectedIRA #Solo401k #RetirementInvesting #RentalProperties #PassiveIncome #RentToRetirement

In this special episode, Rent To Retirement founder Zach LeMaster joins the Lifestyle Dentist Podcast to share how he went from practicing optometry to building a real estate portfolio that ultimately gave his family financial independence.

Zach shares how he and his wife used rental real estate to gradually replace their active income, giving them the freedom to continue practicing healthcare because they enjoy it—not because they financially have to. The conversation explores passive income, long-term wealth creation, real estate tax advantages, cost segregation, leverage, and how busy professionals can invest without turning real estate into another full-time job.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

Here is how the RTR STR Tenant Placement Program works allowing anyone to qualify to use a cost segregation study to take massive tax deductions against their active income or W2 income in 2026:

You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.

You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.

The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.

And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions

🏠 In this episode:

0:00 – Why Zach was invited on Lifestyle Dentist

1:10 – From optometrist to real estate investor

3:10 – Replacing active income with rentals

9:01 – Why real estate works for high-income professionals

11:14 – Real estate tax benefits

12:04 – Cost segregation explained

14:52 – Real estate professional status

19:18 – Bonus depreciation explained

22:17 – Short-term rental tax strategy

23:26 – Material participation rules

24:30 – How the STR strategy works

27:19 – $300K property / $90K deduction example

28:03 – Builder incentives & cash back

33:14 – How many rentals can replace your income?

35:25 – Scaling a rental portfolio

41:18 – Buying your first rental

44:15 – Cash vs. leverage

51:00 – Why cash flow matters

52:08 – Avoiding analysis paralysis

53:07 – Turnkey real estate investing

56:33 – Where new investors should start

58:08 – Investing outside your local market

59:42 – Connect with Rent To Retirement

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions

🔔 Subscribe to the Rent To Retirement channel for more strategies on turnkey real estate investing, rental properties, passive income, tax advantages, and building long-term wealth.

⚠️ This episode is for educational purposes only and is not tax, legal, financial, or accounting advice. Speak with your CPA, attorney, or qualified tax professional regarding your individual situation.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

💰 How the 2026 Strategy Works

Learn how EVERYONE can use a cost segregation study to offset 5 or 6 figures of taxable income from your W2 (or any income source) in 2026, even if this is your very first rental! No real estate professional status needed!

Here’s how it works:

You buy a vacant new construction rental property from RTR, where you can receive up to $30K+ in incentives to be used as cash back, a rate buydown, or a price reduction—the choice is yours.

You take about 10 minutes to set up an Airbnb short-term rental listing following RTR’s guide.

RTR rents your home for 2–5 nights. You do NOT need to furnish the home. This establishes the home as a short-term rental for 2026 under the strategy discussed in the episode, potentially allowing you to use a cost segregation study to write off approximately 30% of the home value against your income in 2026.

RTR estimates 30% based on its experience. Example: a $300K home could potentially generate approximately a $90K tax deduction.

You can continue managing the property as a short-term rental, or turn it over to RTR’s management teams beginning January 1, 2027.

The potential result: 5 to 6 figures in 2026 tax savings while acquiring a quality new-construction rental property in a growing market.

And with the combination of RTR cash-back incentives plus potential tax savings, you could potentially recover a substantial portion of your original down payment—dramatically increasing your effective ROI.

That’s how Rent To Retirement helps investors pursue early retirement through real estate investing.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!

⏱️ Timestamps

0:08 – How cost segregation can potentially offset active income

0:44 – Using the strategy with your very first rental property

1:11 – Combining RTR incentives with potential tax savings

2:18 – Why the 2026 program has limited availability

3:40 – How cost segregation works

4:26 – Using the short-term rental strategy without real estate professional status

5:14 – Passive losses vs. active income

5:37 – Important tax and legal disclaimer

5:59 – Estimating depreciation with a cost segregation study

6:53 – The 30% cost segregation example

7:23 – How a $300K property could generate an estimated $90K deduction

7:47 – Example: reducing $100K of taxable income

8:08 – What happens when deductions exceed your income

8:30 – Depreciation recapture and 1031 exchanges

8:54 – The short-term rental strategy explained

9:40 – The “substantially all” work test

10:12 – Three potential material participation paths

11:17 – Why the substantially-all test matters

11:39 – The under-7-day average stay requirement discussed

12:27 – Setting the property up on Airbnb

13:53 – Why the home does NOT need to be furnished for RTR’s placement

14:32 – What happens after the initial short-term rental stay

14:52 – Transitioning to property management in 2027

16:08 – Limited inventory and available new-construction properties

17:11 – Fort Pierce, Florida property example

17:56 – $339K property and 13% incentive breakdown

18:46 – Cash-back and cash-flow example

19:28 – Combining potential tax savings with RTR incentives

20:46 – Potential triple-digit ROI explained

21:29 – The 2–5 night RTR tenant placement process

22:47 – Alabama and Florida property examples

23:58 – Final recap and why timing matters in 2026

⚠️ Tax Disclaimer: This content is for educational purposes only and is not tax, legal, or financial advice. Tax outcomes depend on individual circumstances. Consult a qualified CPA, tax professional, or attorney regarding your specific situation.

👉 Click here: https://hubs.ly/Q04wZWv40 to learn more about this program and speak with the RTR team to answer all your questions!