For quite a while now it hasn’t made much sense to even consider doing an Adjustable Rate Mortgage (ARM). Why have it able to adjust when you can lock in a 3-4% rate for 3 decades? With a doubling in mortgage rates over the past 3 months, however, ARM loans might make a lot of sense for investors. Adam Schroeder and Zach Lemaster discuss the two options, when it makes sense for both of them, and what you need to consider if you’re thinking about using an ARM. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Going downtown at night, you might find yourself paying $20-30 for parking. Somebody owns that lot and is making money off it, but how can you invest in that asset class? Kevin Bupp, principal & founder of Sunrise Capital Investors, joins Adam Schroeder and Zach Lemaster to discuss not just the parking lot real estate market, but what you need to do to invest in mobile home parks successfully, and the rise of the build-to-rent market for real estate investors. Learn more about Kevin Bupp HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Back in the Great Recession, Chris Prefontaine realized that how he was investing in real estate wasn’t going to work for him anymore. With 23 properties in a bad spot, it took him 4 years to dig out of the hole he was in. Chris joins Adam Schroeder to discuss the lessons he learned from that time, and how he’s investing now to protect himself from repeating his original mistakes. Chris Prefontaine is the bestselling author of Real Estate On Your Terms: Create Continuous Cash Flow Now, Without Using Your Cash Or Credit and the new book Sell with Authority for Real Estate Investors: Your Road Map to Defining It, Earning It, and Monetizing It!; he is the host of the Smart Real Estate Coach Podcast. He’s also the founder of Smart Real Estate Coach. He has been involved in the construction of over 100+ single family homes (1990’s), owner/broker of a Realty Executives Franchise (Massachusetts 1994-2000) which eventually sold to Coldwell Banker in 2000. The 2000’s included coaching people throughout US and Canada and doing condo conversions (multi family homes to condos) and “raise the roof” projects (converting single family ranches to colonials in growth neighborhoods). Learn more about Chris and PreProperty Solutions at the links below! www.SmartRealEstateCoach.com www.PrePropertySolutions.com SmartRealEstateCoachPodcast.com -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The real estate climate has changed drastically in the last 3 months. Returns have been squeezed, rents have been rising, and we’ve seen inflation spiking. But, fundamentally, things are still strong, assuming you’re investing in the right places. Adam Schroeder and Zach Lemaster talk with Dave Meyer, Vice President of Data and Analytics for Bigger Pockets and host of the On the Market podcast, about what's happening today and how real estate investors can align themselves for successful investing. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Success in real estate business has two main components. The right team, and the right deal. Adam Schroeder and Zach Lemaster talk with Jilliene Helman, founder & CEO of Realty Mogul, about her journey in real estate, how to determine what syndication fits your profile, and how she has, while still in her 30s, been named one of the 100 Most Influential Real Estate Leaders AND developed her company into one of the Top Commercial Real Estate Startups in the country. Learn more about Jilliene Helman and Realty Mogul HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

On this Mother’s Day, Adam Schroeder takes a minute to reflect on how what we do as parents impacts the generations below us. What are we really teaching them, and how can we set them up for success better than we currently are? After that, Adam unveils some information that shows that the end may not be so near for one of the hottest investing markets that Rent to Retirement is currently in. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Real estate is a team venture, and it’s critical that the people on your team have their own strengths that complement, rather than overlap. Adam Schroeder and Zach Lemaster talk with Andresa Guidelli about her real estate journey, and how she managed to build teams that have taken her to the top and allowed her to work on projects that inspire her. Andresa is co-founder & CEO of The Real Estate InvestHER community®, and Co-host of the The Real Estate InvestHER Show, which is part of the BiggerPockets Podcast Network that has generated more than 110 million collective downloads across multiple industries. She’s also a partner in Trailblazer - a real estate syndication inspired and led by women. Learn more about Andrea and InvestHER HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Michael Albaum started with a simple mission. He wanted to buy 1 property a year for 10 years, and achieve a level of financial independence. That plan was drastically surpassed as he continued to invest and grow his portfolio. Adam Schroeder and Michael discuss his journey, how people can follow a similar path, what metrics they like to use when looking at a deal -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Higher interest rates have left many novice investors concerned about whether it’s still a good time to invest. But what if you were to learn that higher rates are NOT a reason to not invest, but rather, in this situation, an even bigger reason to invest? Adam Schroeder and Zach Lemaster are joined by mortgage lender Aaron Chapman to discuss what’s happening in the real estate industry today and why it still works. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The Federal Housing Authority has given the green light for lenders to offer a 40 year mortgage to those impacted by Covid. This is an opening that’s CURRENTLY only available to those impacted by the pandemic, but let’s be honest, it’s coming to everyone sooner rather than later. Plus, with high inflation, high interest rates, and high home prices, it’s being said that now is the worst time EVER to buy a house. Is that true? Or are we once again being misled? -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

It’s tax day in the USA. Taxes are the largest expense most people pay in their entire lives. But what if it didn’t have to be that way? Be a more savvy investor by using real estate investing strategies to reduce your tax liability. Adam Schroeder and Zach Lemaster talk with tax strategists Lorraine and Jim about 5 key things real estate can be utilized to reduce or eliminate the taxes you owe. Learn more about these tax strategies HERE Main Benefits of REI for a Passive Investor - 03:57 The Beauty of OPM (Other People’s Money) - 22:35 Cost Segregation Studies - 28:41 Capital Gains Tax - 48:10 Charitable Trusts & Their Ability to Create Additional Tax Reductions - 54:41 Watch the YouTube video of this podcast HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Blockchain is probably the future for a lot of things in our society. Could real estate be one of them? Adam Schroeder talks with Propy founder and CEO Natalia Karayaneva about how they’re currently using blockchain technology to quickly close real estate transactions, how the market is responding and growing, and what it could mean to the real estate industry moving forward. Natalia is the Founder & CEO of Propy and a former real estate developer. Propy’s mission is to automate the homebuying process. It is the first world's innovator utilizing smart contracts in real estate. Learn more about Natalia and her blockchain strategy HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The Kansas City market has some very enticing returns. Low taxes and high rents make the cash flow one of the best of the markets we currently have properties in. Adam Schroeder talks with the local team leader about what makes KC such a good market for investors. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Higher Rates means Lower Prices... Right? It’s a widely held belief that higher interest rates must mean that home prices are decreasing. That thinking, however, might be flawed. Especially in the lower priced starter home sector. Adam Schroeder and Zach Lemaster look at the time frames in the last 30 years when interest rates have climbed dramatically, and how home prices have responded. The numbers might surprise you. -------------------------------------------------------- Wealth/Rental Calculator: https://renttoretirement.com/tools/ Watch the video version here: https://youtu.be/MMa34eWgAy8 -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The Cape Coral market has seen a large runup in pricing and in rent over the last year. The city itself is being built out immensely, with people continuing to come to the area looking for housing. So has the ship sailed on getting into the investment market? Adam talks with Zach, who was just in Cape Coral with a group of investors, to discuss what’s happening on the ground, what changes Zach has seen in the last year, as well as whether the numbers still work on the deal today.  -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Real estate investing is a proven way to build generational wealth. Wendy Papasan, Co-Founder of the Papasan Properties Group, joins Adam Schroeder to discuss her real estate journey, beginning with her start as a stay-at-home mom. Wendy and Adam explore the slow build of a portfolio, forming the right team, the importance of giving back while you’re on your journey, and why the long term, buy and hold strategy is the best route one can take. Check out more about Wendy and Papasan Properties HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

In the last 40 years we’ve seen a dramatic decrease in the amount of entry level homes being built. This rarity has led to our investment properties becoming a greater and greater commodity. Adam Schroeder takes the time to discuss just how much the construction of these homes has dropped off, as well as what the rising interest rate environment we’re currently living in will do for us over time. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Using other people’s money (OPM) is a fantastic way to scale your real estate business. DOING it, however, is daunting for most people. Adam Schroeder talks with Amy Mahjoory about her 4 second power pitch to entice potential investors, as well as the 5 ways you can successfully start raising funds for your real estate ventures. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The Federal Reserve is finally about to start raising rates, so that means rates are going to climb even higher now…right? Adam Schroeder explores the idea that we are due for even higher interest rates just because what was already said is now coming to fruition. Then Adam explores what real estate investors should be doing when they receive a low appraisal in order to be sure they’re still getting a deal that makes sense. You have a multitude of options, you just need to pick the one that is best for you. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Sometimes people think of retiring with real estate as something they need 50-100 properties in order to accomplish. But, in reality, it’s not nearly that difficult. A select number of high performing properties can put you in an extremely good position to succeed long term. Adam Schroeder talks with John Schaub, editor of the Strategies and Solutions newsletter for investors in single family houses and notes and bestselling author of Building Wealth One House at a Time, about his investing journey and how the long term view always pays off. Learn more about John and his book at his website HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

When you talk to someone about investing in stocks, one of the first things any advisor will tell you is that you need to diversify. They’ll tell you that you need to be in tech, energy, bonds, CDs, and just about everything else in order to get a “well rounded portfolio”. But when you talk to someone about investing in real estate, they can’t fathom diversifying out of their home market. If you’re going to be a successful investor, however, you’re going to need to diversify your portfolio. How do you do that as a real estate investor? Adam Schroeder takes today to explain how exactly a real estate investor can diversify their portfolio to lower risk and achieve the highest return. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

There are many communities across the United States that are in desperate need of investment capital. The problem is that many of these communities have people leaving in droves and are unable to retain the businesses that will help them succeed long term. Adam Schroeder talks with urban revitalization strategist Majora Carter about how investments into these communities can lead to long term success for everyone. Find out more about Majora and her book "Reclaiming Your Community" HERE -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

You’ve heard the phrase “real estate is a hedge against inflation” over and over. But has anyone ever actually shown you how it’s true? Adam Schroeder takes a deep dive into the numbers that show how this saying ACTUALLY works, with real numbers and a story about a real life family dealing with the runaway inflation of the late 70s/early 80s. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

It may not be the most exciting investment opportunity out there, but life insurance can help build wealth over multiple generations. Doing so, however, requires doing some due diligence and making sure you’re getting into the best option for your family life situation. Adam Schroeder talks with Chris Reid, a financial fiduciary who specializes in life insurance, about how to perform your due diligence on your insurance company, and how you can set your family up for success after we’re gone. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Inflation is here. Everyone knows it; everyone’s having to deal with it. So what does it mean for investors, and what impact is it going to have on our mortgage rates for investment properties, appreciation, and rent growth? Adam Schroeder and Zach Lemaster get together to put the current inflation, interest rate, and GDP growth into context and look forward to what it means for us in the coming years. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

When you own rental properties, eventually you’re going to sell them. When you do, there's a beautiful tax rule that allows you to exit and deploy your money again without being taxed. That beautiful thing is called a 1031 tax deferred exchange. Adam Schroeder and Zach Lemaster talk with 1031 expert Dave Foster about how exchanges work. When to do them, when not to do them, and how to do them RIGHT. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Many people see continued growth in housing prices in 2022, but some real estate professionals are starting to ramp up their expectations. Zillow has changed their valuation expectations from 11% to over 20%, and they’re not the only ones. Plus, we’re still seeing an incredibly low supply of housing and we’re still seeing population booms in the suburbs, leading to good investment opportunities for us investors. Adam Schroeder runs through these happenings and explains what they mean for the investor and what (if any) impact rising rates could have on the market. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Home insurance isn’t the most exciting part of your due diligence, but it’s an absolute necessity. You’re spending a large chunk of money on the property, you need to spend a little bit per year to protect that investment. But you don’t need to go overboard doing it. Adam Schroeder and Zach Lemaster talk with Shelter Insurance’s Bill Brewer about what kind of insurance investors ACTUALLY need when they’re getting their quotes. Schedule a Call with Bill *HERE* -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The build to rent construction going on in Cape Coral is an incredible opportunity at the moment. The cash flow and equity play is unlike anything else available in real estate. Trevor is one of the people who got in early and is excited about the impending closing of his build. Listen in as Adam Schroeder and Trevor go over his experience and Trevor’s investing journey. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Wholesaling is a section of real estate that can be tough to break into effectively. Many people have fallen prey to gurus who sell them large, expensive packages to “help them get started”, only to see them fail. But, done properly, it can be a lucrative business. You just have to treat it like just that: a business. Adam Schroeder and Zach Lemaster look into this sector of real estate and break down what the successful wholesalers do, and what to avoid if you don’t want to waste your time and money. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Investors tend to move from single family into multifamily or commercial properties as they grow their portfolio. Covid hit a large chunk of commercial real estate fairly hard. One area that has done very well through the pandemic, and looks to have a lot of runway left, is medical office space. Adam Schroeder and Zach Lemaster talk with Trisha Talbot, managing principal at Doc Properties about what’s driving this market and how investors can take advantage of it. LEARN MORE ABOUT DOC PROPERTIES HERE - www.DocProperties.com -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The 401k plan might seem like something that’s ingrained in society, but it’s actually a fairly new creation. We are just starting to see what the long run looks like for workers to retire with a 401k. Adam Schroeder, Zach Lemaster, and Sam Haack take a look at what kind of returns the different asset classes have achieved over the year, what kind of control you have over them, the tax implications of both, and more. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Covid has put a hurt on certain parts of commercial real estate. That has led to a surge in the need for investors to get out of some of their deals. Adam and Zach talk with Ann Hambly, Founder & CEO of 1st Service Solutions, about how investors can handle their deals gone bad, how they can FIND deals that have gone bad so they can acquire them, and what parts of commercial real estate should be targeted and what to avoid. Ann Hambly - www.1stsss.com -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Rent To Retirement CEO Zach Lemaster talks about how to create financial freedom through buy & hold real estate investing  He also covers: -Tax benefits of real estate investing -How to scale your portfolio over time to achieve $10K/month passive income -The many ways REI builds net worth over time -How to calculate ROI (return on investment) for cash flow, depreciation, debt reduction & appreciation -Why everyone should be investing in real estate -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

What happened in housing in 2021 and how can we use that to help us in 2022 and beyond? How can investing in single family homes protect you from your tenants and should you be buying homes in cryptocurrency? Listen in as Adam Schroeder takes a dive into these issues and explains what they mean to you, the investor. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Signing your closing documents isn’t the end of of your real estate business. You’re still vulnerable from potential lawsuits, both personally and professionally. So why wouldn’t you spend a little bit more money and ensure that you’re not going to lose everything you’ve worked so hard to acquire? Adam Schroeder and Zach Lemaster talk with Nevada Corporate Headquarters founder Cort Christie about some strategies you can utilize, the importance of building your team, your time commitment involved with your entities, and more. SCHEDULE A CALL - https://calendly.com/nchconsultation/rent-to-retirement?month=2021-05 -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

The Fed has said they’re going to be raising interest rates multiple times this year, and possibly more next year. So rates are on the rise and home buyers are, once again, being scared off. What if you found out that was actually GOOD news for you, the investor? Adam Schroeder takes today’s episode to look into what’s happening in the housing market. With low inventory, low delinquency rates, and rising interest rates, things could actually be creating a fantastic opportunity for owners of investment properties. -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

There are many different ways to invest in real estate. The most passive of investments is usually real estate syndications. But what are they and how do you actually pick which one is right for you? It’s hard enough to pick an overall market, how do you choose between the massive quantity of funds? Adam Schroeder talks about all this and more with Alina Trigub, founder of SAMO Financial. Her passion is to spread the word about the benefits of passive investing in various forms of real estate and to empower people to build wealth for themselves and for their families. Alina has an MBA in Finance and Management from Rutgers and Bachelor of Business Administration in Accountancy from City University of New York. She worked as a Tax Accountant at Ernst & Young, as well as in the private sector. Alina has worked tirelessly to help her investors participate in the offerings of over 1200 apartment units, $10MM storage fund, and $10MM mobile home park fund. Alina deeply enjoys learning about the goals of potential investors, and exploring venues for improving their portfolios, such as demonstrating the benefits of investing using IRA funds in real estate. Website: www.TempoFunding.com www.SAMOFinancial.com -------------------------------------------------------- Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

One common refrain you’ll hear about turnkey real estate is that you’re paying a “premium” of some sort. But are you really? Zach Lemaster and Adam Schroeder take on this well worn phrase to see if it holds any merit. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

A lot of people are timid about investing in real estate they’ve never seen, or having managers that are out of state. But what about people who are managing their properties from another country? Angela joins Adam Schroeder to discuss how she started her investing journey while serving in the armed forces overseas. Listen to her incredible story and see that getting started doesn’t have to be a scary (or full time) proposition. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

New year, new you, right? As we start another year, it’s time to take action. You know where you want to end up, you know what life you want to lead, so it’s time to start. Adam and Zach take today to discuss how to properly set goals so that you will end up succeeding. It’s time to break your goals into manageable chunks, write them down, tell people about them, and accomplish them. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

This year end wrap up is a collection of questions that our listeners have brought to us when we’ve been doing live events. Your questions are even more important than the topics that we bring you here on the show because they’re what you, the investor, need to know. Listen in as the Rent to Retirement team tackles all the questions thrown at them. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

No is the easiest answer to give to a question. BUT, just saying no will never lead to growth and likely will never get you to where you actually want to be. So how do you overcome the urge to say “no”, get in the investor mindset, and start saying “yes”? Listen in as Adam, Zach, Eric, and David from the Rent to Retirement team give you a glimpse into how you can change your vantage point to get the confidence to start investing in real estate. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

With as little as $800/mo of cash flow, you can start to expedite your capital formation. Just like a snowball, it takes a little time to get your momentum rolling, but then it gets going and can do a lot of (good) damage on its journey. Adam Schroeder and Zach Lemaster talk with Tanish Souza about her Income Snowball approach and how regular people with a little extra income every month can start their journey and get the money they need to invest in hard assets like real estate much faster than they would otherwise. THE INCOME SNOWBALL - https://sf103.isrefer.com/go/strategy/SLUND/ Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

One of the biggest issues real estate investors face is having enough capital to buy properties. But what if you didn’t have that problem? How much faster would you be able to scale? Amy Mahjoory joins Adam Schroeder to discuss how investors can start raising other people’s money successfully in as little as 3 weeks. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Depreciation is one of the great attributes to real estate investing. But what if you could ACCELERATE that depreciation and take a massive tax writeoff in year 1? Adam Schroeder and Zach Lemaster talk with their cost segregation specialist Steve to discuss what cost segregations are, how they work, and who can benefit most from them. Cost segregations aren’t just for multifamily and commercial properties anymore! Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Eventually you’re going to want to put your lazy equity in properties to work. If you let it sit there you’re getting a 0% return, so why wouldn’t you? But what’s the best way to get to that equity? Adam Schroeder and Zach Lemaster break down two ways you can get your equity: a HELOC or a cash-out refinance. The pros and cons, when to use each, and why it’s important to actually put that equity into use. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist

Most people think about their lender in very simple terms: how low of a rate can you get me? But lenders are able to do significantly more than that if you take the time to talk to them. Adam Schroeder talks with one of Rent to Retirement's lenders, Gabe, about the current rates investors are seeing. But they also discuss what things loan officers can do for investors. Whether he’s seeing a slowdown in mortgage starts, and how investment properties and debt to income ratio, they’re looking for when you’re getting pre-approved. Website - www.RentToRetirement.com YouTube - www.YouTube.com/RentToRetirement Current Hotlist Properties - www.RentToRetirement.com/Hotlist