Episode 119: Mastering the Art of Underwriting for Mid-Term & Short-Term Rentals

In this powerful finale to our three-part training series, Dr. Rachel Gainsbrugh dives deep into underwriting—the crucial process that ensures you’re making financially sound investment decisions in mid-term and short-term rentals. If you’ve ever wondered how to identify profitable properties and avoid costly mistakes, this episode is packed with actionable strategies to empower your investment journey.

Episode Highlights with Timestamps:

• [0:00] Introduction: Why decision-making is critical, featuring the inspiring quote, "Only when it is dark enough, can you see the stars."
• [3:30] Recap of Parts 1 and 2: Key insights on market analysis and the PACU methodology (Proximity, Amenities, Comps, and Quality).
• [7:20] Underwriting Basics: The essential steps to evaluate deals, including cash flow, operating expenses, and financing metrics.
• [10:00] Tools for Success: How AirDNA simplifies market analysis and reveals profitable opportunities.
• [20:00] Turning No-Go Deals Into Wins: Practical strategies to improve deal feasibility, from negotiating prices to optimizing occupancy rates.
• [30:00] Final Thoughts: Empowering yourself to build a system that creates financial freedom for you and your family.

Key Takeaways:

• Two Properties Can Change Your Life: Understand how well-positioned investments can bring massive returns without needing to own dozens of properties.
• Tax Strategy Insights: Use tax laws to your advantage and build generational wealth without additional risk.
• Data-Driven Decision Making: Leverage tools like AirDNA to ensure your investments align with real market trends.

📱 Follow Us on Social Media:

🌐 Website: Short Term Gems

👥 Facebook Group: Short Term Gems Community

📸 Instagram: @short.term.gems

🎧 Podcast: Short Term Gems Podcast

🎁 Free Resource: 75 Gems: Top Profitable Cities for Rentals

📅 Talk to Our Team: Book a Call

🎙 Episode Title:

""Maximize Your Rental Revenue with the PAC-Q Framework""

📌 Episode Overview:

In this episode of the Luxury Rental Doctor podcast, Dr. Rachel reveals her powerful PAC-Q methodology—a proven, step-by-step framework to transform your mid-term and short-term rentals into top-performing properties.

Learn how just two well-positioned properties can generate premium income and help you achieve financial freedom. This isn’t about building massive portfolios; it’s about making smart, data-driven decisions that prioritize quality over quantity.

💡 What You’ll Learn in This Episode:

- Proximity: Why being close to top attractions, schools, or amenities justifies higher rental rates.

- Amenities: Discover the most in-demand features (like pet-friendly stays 🐾) that make your property stand out.

- Comps (Competitive Edge): How to analyze your competition and identify opportunities to improve your property’s performance.

- Quality: Why high-quality design and thoughtful details drive guest satisfaction and repeat bookings.

-

📚 Timestamps for Easy Navigation:

0:00 Introduction

2:00 Why Location Alone Isn’t Enough

6:15 The PAC-Q Framework: What It Is and Why It Works

10:30 Proximity: Finding the Right Revenue Drivers

18:45 Amenities: The Game-Changing Features Guests Demand

26:00 Comps: Understanding Your Competitive Edge

32:15 Quality: Elevating Your Property for Maximum Returns

40:00 Taking Action with the PAC-Q Framework

📚 Actionable Takeaways:

Dr. Rachel shares how understanding and applying PAC-Q can help you:

- Attract premium-paying guests with ease.

- Make informed decisions based on data and trends.

- Avoid common pitfalls that cost rental owners time and money.

Hear inspiring success stories from fellow professionals, including how small changes—like adding pet-friendly amenities or understanding market comps—have led to increased occupancy rates and revenue.

📣 Resources to Get Started:

- Top 75 Cities for Rentals in 2024: Get the List

- Work with Dr. Rachel: Schedule a Consultation

👥 Connect with Us:

🌐 Website: ShortTermGems.com

👩🏾‍💻 Facebook Group: Luxury Rentals Community

📸 Instagram: @Short.Term.Gems

🎙 Podcast: Luxury Rental Doctor

💬 Join the Conversation:

What’s your biggest takeaway from the PAC-Q framework? Share your thoughts below or connect with us on social media!

🚀 Ready to Take Action?

Stop overthinking and start building! Use the PAC-Q framework to create properties that guests love, stay booked, and generate life-changing income.

Episode Description:

Welcome back to another inspiring episode of the Luxury Rental Doctor Podcast! 🎉 In this episode, Dr. Rachel breaks down one of the most critical steps in real estate investing: Market Research. Whether you're new to investing or looking to scale your Mid-Term & Short-Term Rental portfolio, mastering market research can make or break your strategy. 💡

Dr. Rachel shares her proven approach to analyzing markets, selecting profitable locations, and confidently projecting your property’s revenue potential using the powerful tool AirDNA. From avoiding analysis paralysis to understanding how amenities like pools or hot tubs impact returns, this episode is packed with actionable insights for busy medical professionals ready to start earning extra money without sacrificing precious time.

You’ll learn:

✔️ Why market research is essential for successful investments

✔️ How to use AirDNA to analyze revenue potential and identify comps

✔️ The importance of amenities in boosting bookings and income

✔️ How to clean data for accurate projections and make informed decisions with just 51% confidence

Plus, get a sneak peek into upcoming trainings on underwriting properties and Dr. Rachel's proven PACU Methodology for evaluating potential investments.

📌 Mentioned in the Episode:

• AirDNA Tool: AirDNA.co
• 75 Gems: Explore Dr. Rachel’s top 75 cities for investing in 2024, complete with a free training! 75gems.com
• Mastermind Enrollment: Shorttermgems.com/book

Timestamps:

0:00 - Introduction: Why Market Research Matters

4:12 - The Tools That Changed the Game for Dr. Rachel

12:50 - Using AirDNA for Revenue Projections

18:25 - Key Metrics: Occupancy Rate & Revenue Potential

22:40 - Understanding Comps and Amenities

29:00 - Addressing Regulation Challenges

36:15 - Upcoming Trainings: Underwriting and PACU Methodology

45:00 - Final Encouragement: Every Expert Was Once a Beginner

🎧 Follow Us on Social Media:

🌐 Website: ShortTermGems.com

👥 Facebook Group: Short Term Gems Community

📸 Instagram: @Short.Term.Gems

🎧 Podcast: Luxury Rental Doctor Podcast

👉 Don’t miss this transformative episode packed with insights to help you grow your rental business while achieving work-life balance. Let’s make your real estate dreams a reality!

Are you tired of working endless hours, only to watch your six-figure income disappear to taxes and debt? 💸 As a busy medical professional, you’ve worked too hard to keep losing money while the wealthiest 1% use strategies to keep more. It’s time to learn how to play the same game.

In this episode of The Luxury Rental Doctor Show, I’m sharing my 3-Step Wealth Rx System—the exact strategy that helped me:

✅ Slash my tax bill by $127,000.

✅ Build a thriving portfolio of luxury rentals.

✅ Turn debt into financial freedom—all without sacrificing time with my family.

What You’ll Learn in This Episode:

• Why the average doctor overpays $150K–$300K in taxes annually—and how to stop.
• How to find your first luxury rental property with minimal upfront costs.
• The secrets to transforming properties into cash-generating assets in just 3 hours a week.
• The tax loopholes the 1% use to build wealth—and how you can, too.

📌 Timestamps:

0:00 Trump, Taxes, and the 1%

2:15 Why Doctors Overpay on Taxes

5:40 The 3-Step Wealth Rx System Overview

10:12 Step 1: Finding the Right Property

15:08 Step 2: Transforming It into a Luxury Rental

20:25 Step 3: Leveraging Tax Loopholes for Big Savings

🩺 If you’re a busy medical professional looking to build wealth without burnout, this episode is your roadmap to financial freedom.

Resources Mentioned in This Episode:

🌐 Explore free training and resources: https://www.shorttermgems.com

📸 Follow us on Instagram: https://www.instagram.com/short.term.gems

👥 Join our Facebook community: https://www.facebook.com/groups/422973842093365

🎧 Listen to more episodes: https://www.shorttermgems.com/podcast

💡 Don’t let 2024 be another year of overworking and overpaying. Tune in to learn how to take control of your finances and start building the life you deserve!

📌 Episode Overview:

In this value-packed episode, Dr. Rachel Gainsbrugh sits down with Katie Lyon, Marketing Director at Furnished Finder and co-host of The Landlord Diaries podcast. Katie shares her journey from commercial real estate to managing a portfolio of 13 properties across three states, all while balancing a full-time job and family life. Together, they explore the unique benefits of midterm rentals—a sweet spot between short-term and long-term strategies—offering actionable tips and strategies to maximize revenue with less effort.

Whether you’re new to investing or scaling your portfolio, this episode will inspire you to take control of your real estate investments with confidence.

🕒 Timestamps for Easy Navigation:

0:00 - Introduction: Everything is Figureoutable

0:45 - Meet Katie Lyon and Her Real Estate Journey

2:52 - Transition to Midterm Rentals

5:17 - Defining Midterm vs. Short-Term Rentals

7:02 - Taking Control of Your Investments

10:10 - Managing Properties Remotely with Tools and Apps

16:41 - Different Tenant Types and Setting Expectations

20:09 - Maximizing Revenue with Midterm Rentals

25:52 - Using and Optimizing Listings on Furnished Finder

29:05 - Rental Arbitrage Strategies

💡 What You’ll Learn in This Episode:

• What exactly are midterm rentals, and how they differ from short-term and long-term rentals.
• The pros and cons of self-managing midterm rentals remotely.
• Creative ways to maximize revenue by combining short-term and midterm strategies.
• How to leverage platforms like Furnished Finder to find quality tenants and build relationships.
• Why rental arbitrage might be the perfect way to start with minimal upfront capital.
• Katie’s top tips for listing and optimizing visibility on Furnished Finder.

🎯 Rapid Fire Q&A with Katie Lyon:

• Burnout Moment: Katie shares how she overcame burnout by automating processes and spending more time with family.
• Game-Changing Book: The Gap and The Gain by Dan Sullivan and Dr. Benjamin Hardy helped shift her mindset and celebrate progress.
• Craziest Real Estate Story: A car drove through a Hallmark store at one of her commercial properties!

📚 Resources & Links Mentioned:

• Furnished Finder: Visit Website
• Katie’s Podcast: The Landlord Diaries
• Dr. Rachel’s Free 75 Gems Resource: Download Here

💬 Comment below with your thoughts and questions!

🔔 Subscribe to our channel for more inspiring stories and real estate tips!

📱 Follow us on social media for daily updates and exclusive content!

Follow Us on Social Media:

🌐 Website: https://www.shorttermgems.com

👥 Facebook Group: https://www.facebook.com/groups/422973842093365

📸 Instagram: https://www.instagram.com/short.term.gems/

🎧 Podcast: https://www.shorttermgems.com/podcast

🆓 Freebie Training: https://www.shorttermgems.com/75gems

📞 Talk to My Team: https://www.shorttermgems.com/book

From Corporate Executive to Short-Term Rental Queen: How to Build a 7-Figure Portfolio While Working Full-Time | Featuring Stacy St. John

Want to escape the golden handcuffs? 💯 Join Dr. Rachel Gang as she interviews Stacy St. John, who built a thriving short-term rental portfolio AND a 60,000-member women's investing community while working her corporate job!

In this value-packed episode, you'll discover:

• How Stacy replaced her corporate salary with just a few short-term rentals (vs. 40+ long-term rentals!)
• The exact systems and tools she used to manage properties remotely
• Her strategy for building a reliable team while maintaining a 9-5
• Essential mindset shifts that helped her scale from corporate to real estate success
• Game-changing tips for balancing multiple income streams

Plus, get a sneak peek of Stacy's upcoming book "Live Big" - an entrepreneurial playbook for leveling up your business and life! 🙌🏾

Calling all women doctors and high-achieving professionals: if you're ready to create financial freedom through luxury short-term rentals, this episode is your blueprint! 💃🏾

Resources Mentioned:

🌐 www.shorttermgems.com/75gems - Get "75 Gems for STR Success"

🤝 www.shorttermgems.com/book - Book a Strategy Call

👥 Join our Facebook Community: "Female Short-Term Rental Investors"

Connect with Dr. Rachel:

Website: www.shorttermgems.com

Instagram: @short.term.gems

Facebook: Short Term Gems

Produced by Short Term Gems LLC © 2024 All Rights Reserved

#LuxuryRentalDoctor #WomenInvesting #STR #PassiveIncome #RealEstateInvesting

Experience the power of options trading through the lens of a 15-year veteran trader. Jamie Swartz shares invaluable insights for busy medical professionals looking to diversify beyond real estate. Whether you're a seasoned investor or just starting, this episode delivers practical strategies for building wealth while managing your demanding schedule.

Key Topics:

• The four essential principles every physician should know before options trading
• How to complement your real estate portfolio with options
• Risk management strategies for busy professionals
• Real-world insights from the Chicago Board Options Exchange
• Mindset shifts for successful investing

Perfect for: Women physicians, high-income professionals, and real estate investors seeking smart ways to grow their wealth.

Featured Expert: Jamie Swartz - Options Trading Specialist & Women's Financial Advocate

• 15+ years of institutional trading experience
• Former trader at Chicago Board Options Exchange
• Expert in teaching busy professionals how to navigate the markets

Get more wealth-building resources:

🌐 https://www.shorttermgems.com

🎧 https://www.shorttermgems.com/podcast

💡 Free Training: https://www.shorttermgems.com/75gems

📱 Instagram: https://www.instagram.com/short.term.gems/

Ready to transform your financial future? Book a strategy call: 📞 https://www.shorttermgems.com/book

Episode Tags: Options Trading, Physician Wealth, Women in Medicine, Passive Income, Investment Strategy, Financial Freedom, Real Estate Investing, Risk Management, Women Investors

Subscribe to the Luxury Rental Doctor podcast for more insights on building wealth through smart investing strategies! New episodes every week.

#PhysicianWealth #WomenInMedicine #OptionsTrading #PassiveIncome #InvestingForDoctors #FinancialFreedom #WealthBuilding

📊 Are short-term rentals still a great investment? Join Dr. Rachel Gainsbrugh and Jamie Lane from AirDNA as they dive deep into the latest trends in the STR market. Discover the secrets to analyzing supply and demand, understanding occupancy rates, and identifying growth opportunities in key markets like Miami and Orlando.

Whether you're a seasoned investor or just getting started, this episode is packed with actionable insights! You'll learn how to use tools like AirDNA to evaluate market health, avoid potential pitfalls, and make data-driven decisions to optimize your rental property for long-term success.

Catch the full episode with visuals on our YouTube channel! Don’t forget to subscribe while you're there to stay updated on all our latest content! https://www.youtube.com/@theluxuryrentaldoctorshow

👍🏾 Like this video if you found it helpful!

💬 Comment below with your thoughts and questions!

🔔 Subscribe to our channel for more inspiring stories and real estate tips!

📱 Follow us on social media for daily updates and exclusive content!

Follow Us on Social Media:

🌐 Website: https://www.shorttermgems.com

👥 Facebook Group: https://www.facebook.com/groups/422973842093365

📸 Instagram: https://www.instagram.com/short.term.gems/

🎧 Podcast: https://www.shorttermgems.com/podcast

🆓 Freebie Training: https://www.shorttermgems.com/75gems

📞 Talk to My Team: https://www.shorttermgems.com/book

In this episode of The Luxury Rental Doctor Podcast, Dr. Rachel Gainsbrugh delves into the foundational aspects of securing funding for real estate investments, particularly for healthcare professionals looking to diversify their income streams through short-term and mid-term rentals. Dr. Gainsbrugh shares her personal journey, insights, and strategies that have helped her and her community members successfully navigate the real estate market.

Timestamps:

00:00:00 - Introduction

00:00:42 - Foundations of Real Estate for Doctors

00:01:24 - Dr. Rachel's Real Estate Journey

00:03:09 - Importance of Community and Sharing Knowledge

00:04:01 - Building Wealth the Smart Way

00:05:04 - Hidden Money Matrix

00:05:25 - Three Most Common Loan Types

00:05:36 - Second Home Loans (Vacation Home Loans)

00:05:56 - DSCR Loans (Debt Service Coverage Ratio Loans)

00:07:00 - Bank Statement Loans

00:08:14 - Creative Funding Strategies

00:10:00 - Jumbo Loans

00:11:04 - DSCR Loans for Scaling Investments

00:12:29 - Bank Statement Loans for Self-Employed

00:14:05 - Portfolio Loans

00:15:15 - House Hacking and Live-In Flips

00:16:44 - Private Money Lenders and Partnerships

00:18:00 - SBA Loans and Business Purpose Loans

00:20:00 - Unique Down Payment Strategies

00:22:23 - Nectar Funding Strategy

00:24:08 - Cost Segregation and Bonus Depreciation

00:27:21 - Using AirDNA for Accurate Property Analysis

00:31:24 - Finding the Right Lender in Your Market

00:35:06 - Demo: Using Zillow and PropStream for Lender Research

00:38:28 - Final Thoughts and Encouragement

👍🏾 Like this video if you found it helpful!

💬 Comment below with your thoughts and questions!

🔔 Subscribe to our channel for more inspiring stories and real estate tips!

📱 Follow us on social media for daily updates and exclusive content!

Follow Us on Social Media:

🌐 Website: https://www.shorttermgems.com

👥 Facebook Group: https://www.facebook.com/groups/422973842093365

📸 Instagram: https://www.instagram.com/short.term.gems/

🎧 Podcast: https://www.shorttermgems.com/podcast

🆓 Freebie Training: https://www.shorttermgems.com/75gems

📞 Talk to My Team: https://www.shorttermgems.com/book

Welcome back to another episode of the Luxury Rental Doctor Show! 🎉 In this episode, Dr. Rachel Gainsbrugh dives deep into the world of real estate investing, specifically focusing on mid-term and short-term rentals. If you're a busy medical professional, especially a woman of color, juggling multiple responsibilities and looking for ways to maximize your income with minimal time investment, this episode is for you! 💪🏾

In this episode, Dr. Rachel Gainsborough shares her journey and insights into real estate investing, particularly focusing on short-term and mid-term rentals. She emphasizes the importance of overcoming analysis paralysis and taking actionable steps towards financial freedom through real estate.

Timestamps:

00:00:00 - Introduction and personal story

00:01:04 - Busting the down payment myth

00:03:02 - Importance of funding in real estate investing

00:05:10 - Dr. Rachel's journey into real estate

00:10:09 - Strategies for successful real estate investing

00:16:28 - Why single-family homes are a smart investment

00:21:07 - Why now is the best time to invest

00:26:05 - Phase one of the funding stack

00:32:06 - Portfolio loans and other advanced strategies

00:36:08 - House hacking and physician home loans

00:40:02 - The hidden money matrix

00:44:55 - Final thoughts and encouragement

👍🏾 Like this video if you found it helpful!

💬 Comment below with your thoughts and questions!

🔔 Subscribe to our channel for more inspiring stories and real estate tips!

📱 Follow us on social media for daily updates and exclusive content!

Follow Us on Social Media:

🌐 Website: https://www.shorttermgems.com

👥 Facebook Group: https://www.facebook.com/groups/422973842093365

📸 Instagram: https://www.instagram.com/short.term.gems/

🎧 Podcast: https://www.shorttermgems.com/podcast

🆓 Freebie Training: https://www.shorttermgems.com/75gems

📞 Talk to My Team: https://www.shorttermgems.com/book