Podcast appearances and mentions of zach lemaster

Today's Flashback Friday episode is from #738 that originally aired on May 6, 2024. Zach Lemaster is a seasoned real estate investor that has accumulated a large portfolio of rental properties across multiple markets including single family, multi-family, commercial and new construction. Zach started his real estate investment journey while working as an Optometrist & Captain for the US Air Force. The cash flow from his real estate investments eventually allowed him to retire early from his career in medicine to be a professional investor by strategically investing in markets that maximize cash flow, appreciation & equity. Connect with Zach Lemaster: renttoretirement.com Highlights: 3:47 - Zach's Start From Military to Investments 7:45 - Options For Owning Single Family Properties 16:00 - Finding Labor (construction) 20:39 - Gauging Proporty Value (formula) 30:32 - Retention Rate On The Single Family Side   Quote: "There's been an evolution of build-to-rent space for sure."   Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrAre you leaving money on the table as a real estate investor?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrAre you leaving money on the table as a real estate investor?

This episode is sponsored by…IGNITE FUNDING:Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1Thinking passive income in real estate is only for the wealthy? Think again.In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster are joined by Carrie Cook, President of Ignite Funding, to uncover a powerful and lesser-known strategy: note investing backed by real estate.Carrie shares how everyday investors—even non-accredited ones—can earn 10-12% annual returns through collateralized real estate loans with as little as $10,000. No tenants, no toilets, and no property management headaches.Learn how this strategy works, how Ignite Funding underwrites deals, manages risk, handles defaults, and provides transparency and control often missing in syndications or REITs.

This episode is sponsored by…IGNITE FUNDING:Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1Thinking passive income in real estate is only for the wealthy? Think again.In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster are joined by Carrie Cook, President of Ignite Funding, to uncover a powerful and lesser-known strategy: note investing backed by real estate.Carrie shares how everyday investors—even non-accredited ones—can earn 10-12% annual returns through collateralized real estate loans with as little as $10,000. No tenants, no toilets, and no property management headaches.Learn how this strategy works, how Ignite Funding underwrites deals, manages risk, handles defaults, and provides transparency and control often missing in syndications or REITs.

This episode is sponsored by…HEMLANE:Find better, more transparent property management with Hemlane at ⁠https://www.hemlane.com/lp/rent-to-retirement/⁠ NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrPPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementAre you tired of poor communication and outrageous maintenance fees from traditional property managers? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Logan from Hemlane, a platform that's disrupting the property management space and making self-management easier than ever.Hemlane is helping investors nationwide take control of their rentals—without giving up their time, peace of mind, or performance. Whether you have 1 or 50 properties, Hemlane's tiered approach allows you to choose how hands-on (or hands-off) you want to be.

This episode is sponsored by…HEMLANE:Find better, more transparent property management with Hemlane at ⁠https://www.hemlane.com/lp/rent-to-retirement/⁠ NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrPPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementAre you tired of poor communication and outrageous maintenance fees from traditional property managers? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Logan from Hemlane, a platform that's disrupting the property management space and making self-management easier than ever.Hemlane is helping investors nationwide take control of their rentals—without giving up their time, peace of mind, or performance. Whether you have 1 or 50 properties, Hemlane's tiered approach allows you to choose how hands-on (or hands-off) you want to be.

In this episode of the Know Your Why podcast, Dr. Jason Balara speaks with Zach Lemaster, founder and CEO of Rent to Retirement, about the power of real estate investment as a path to financial independence. Zach shares his journey from a career in healthcare to building a thriving business focused on turnkey properties and passive income generation. He highlights the importance of consistency, strategic market selection, and long-term wealth-building through real estate. The discussion dives into the tax benefits of property ownership, the flexibility of investing while maintaining a full-time job, and how real estate can create financial freedom. Zach also shares his personal motivation - using real estate to gain time freedom and provide for his family.Key Highlights:- Transitioning from healthcare to real estate opened doors to financial independence.- Turnkey properties offer a hands-off approach for investors seeking passive income.- Market strategy and consistency are crucial to long-term wealth-building.- Real estate provides unique tax benefits that can significantly boost returns.- Holding properties long-term allows investors to build generational wealth.- Strategic investing can be done while maintaining a full-time job.- Passive income from real estate creates more time freedom and family flexibility.Zach Lemaster's story is a testament to the power of real estate investing in creating financial independence and time freedom. His success with Rent to Retirement highlights the value of turnkey properties, passive income, and strategic market investments. By focusing on long-term wealth-building, tax advantages, and a hands-off approach to property management, Zach helps investors achieve their financial goals. His journey proves that with consistency and the right strategy, real estate can be a powerful tool for financial security and freedom.Get in touch with Zach:Text REI to 33777 to set up an appointmentWebsite: https://www.renttoretirement.com/IG: https://www.instagram.com/renttoretirementinvest/FB: https://www.facebook.com/RentToRetirementLI: https://www.linkedin.com/company/rent-to-retirement/If you want to know more about Dr. Jason Balara and the Know your Why Podcast:⁠⁠https://linktr.ee/jasonbalara⁠⁠  Audio Track:Back To The Wood by Audionautix is licensed under a Creative Commons Attribution 4.0 license.⁠⁠ https://creativecommons.org/licenses/⁠⁠Artist:⁠⁠ http://audionautix.com/

This episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementEver wondered how to invest in real estate without tenants, toilets, or the headaches of property management? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Dave Van Horn, co-founder of PPR Capital, to break down the world of note investing, a lesser-known but incredibly powerful way to build passive income backed by real estate.Whether you're a seasoned investor or just learning the ropes, Dave delivers a masterclass on how mortgage note investing works, the difference between performing and non-performing notes, and why this strategy can provide secure, diversified, and high-yield returns, especially for accredited investors.

This episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementEver wondered how to invest in real estate without tenants, toilets, or the headaches of property management? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster are joined by Dave Van Horn, co-founder of PPR Capital, to break down the world of note investing, a lesser-known but incredibly powerful way to build passive income backed by real estate.Whether you're a seasoned investor or just learning the ropes, Dave delivers a masterclass on how mortgage note investing works, the difference between performing and non-performing notes, and why this strategy can provide secure, diversified, and high-yield returns, especially for accredited investors.

In this high-impact episode, host Whitney Sewell sits down with a panel of renowned real estate experts to unpack key strategies for both active and passive investors navigating today's complex market. From raising capital to identifying investment opportunities in a high-supply environment, the conversation delivers insights grounded in real-world experience.What You'll Learn:How to build trust and raise capital from high-net-worth investorsWhy large multifamily properties may offer better returns for passive investorsKey tax advantages of real estate and how to leverage themWhen and where all-cash deals make more sense than using leverageHow regulations impact real estate markets like NYCThe power of simplicity and focus in business successTimestamps00:00 Introduction01:00 Money Follows Motion Concept01:44 Advice for Passive Investors02:30 Current Market Conditions Overview03:41 First-Time Investor Strategies05:14 Geographical and Asset Diversification06:09 Zach Lemaster's Future Plans08:04 Potential Real Estate Buying Opportunities10:01 New York City Real Estate Market Discussion10:55 Business Simplification and Goal AchievementWhether you're looking to raise capital, invest passively, or simplify your business model—this episode delivers real estate wisdom you can act on.Listen/Watch now and take your investing to the next level!VISIT OUR WEBSITEhttps://lifebridgecapital.com/Here are ways you can work with us here at Life Bridge Capital:⚡️START INVESTING TODAY: If you think that real estate syndication may be right for you, contact us today to learn more about our current investment opportunities: https://lifebridgecapital.com/investwithlbc⚡️Watch on YouTube: https://www.youtube.com/@TheRealEstateSyndicationShow

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/TARDUS:Get expert financial education and build your Income Snowball at https://renttoretirement.com/tarduswealthUnlock MASSIVE tax savings in 2025!

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/TARDUS:Get expert financial education and build your Income Snowball at https://renttoretirement.com/tarduswealthUnlock MASSIVE tax savings in 2025!

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIMN:Meet up with the RTR team at the Build to Rent Conference in Nashville at https://informaconnect.com/build-to-rent-east and use code REU2267RTR for 15% off.TARDUS:Get expert financial education and build your Income Snowball at https://renttoretirement.com/tarduswealth

Want to work with me and learn the power of Mid-Term Rentals Insurance? https://experimentrealestate.com/submitGet the FREE Mid-Term Rental Insurance Blueprint: https://experimentrealestate.com/#blueprint Welcome to the lab! Today, we are joined by Zach Lemaster, the founder and CEO of Rent To Retirement, the nation's leading turnkey investment company. Zach is a seasoned real estate investor, licensed broker, and former US Air Force Captain, who transitioned from a career in optometry to building a multimillion-dollar real estate portfolio. His expertise spans single-family, multifamily, commercial, and new construction investments. Zach started investing while working as an optometrist and quickly realized that his local market wasn't providing the best opportunities for building long-term wealth. This led him to explore out-of-state investing, a move that dramatically accelerated his portfolio growth. However, he found that many investors struggled with identifying the right markets, building reliable teams, and securing financing—challenges that inspired him to create Rent To Retirement. His company now helps investors overcome these barriers by providing turnkey investment opportunities in high-growth markets, complete with expert guidance and strategic financing options.In this episode, Zach breaks down the key fundamentals of real estate investing, emphasizing the importance of consistency, market selection, and long-term wealth-building strategies. He shares how investors can tap into high-growth markets and acquire properties below market value through exclusive partnerships with national builders. Zach also reveals powerful financing options—including 5% down investor loans—that allow investors to accelerate growth while maintaining cash flow. Zach explains why investing in the right market is more important than just chasing cash flow and how equity, appreciation, and tax benefits play a critical role in achieving financial independence. He also walks us through real-life case studies of investors using turnkey properties, cost segregation, and strategic debt to optimize returns.If you want to maximize your real estate investments, reduce risk, and scale your portfolio faster, this episode is packed with insights that can change the game for you.Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintHIGHLIGHTS OF THE EPISODE:22:44 Zach talks about dealing with analysis paralysis24:13 Zach talks about maximizing tax advantagesKEEPING IT REAL:06:18 - The power of consistency in real estate investing09:09 - How to overcome analysis paralysis16:19 - Why choosing the right market is crucial for long-term success22:29 - The hockey stick effect and when to expect real wealth growth27:02 - 5% down financing strategy for scaling your portfolio faster32:48 - Hidden tax advantages that can accelerate your wealth40:13 - Maximize incentives and build instant equity when buying real estate46:23 - Key metrics Zach uses to identify profitable markets54:00 - Building a community and leveraging mentorship for success1:07:45 - We are OUT!!!CONNECT WITH THE GUESTWebsite: https://www.renttoretirement.com/Linkedin: https://www.linkedin.com/in/zach-lemaster-7b1530238/Instagram: https://www.instagram.com/renttoretirementinvest/Youtube: https://www.youtube.com/c/RentToRetirement/featured#RealEstateInvesting #TurnkeyInvesting #MarketAnalysis #CashFlow #WealthBuilding

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIMN:Meet up with the RTR team at the Build to Rent Conference in Nashville at https://informaconnect.com/build-to-rent-east and use code REU2267RTR for 15% off.TARDUS:Get expert financial education and build your Income Snowball at https://renttoretirement.com/tarduswealth

Zach Leemaster is the founder & CEO of Rent To Retirement, the nation's leading turnkey investment company. Zach is a seasoned real estate investor and licensed broker that has accumulated a large portfolio of rental properties across multiple markets including single family, multifamily, commercial and new construction. Zach is a licensed Optometrist who practices on a volunteer basis. Zach started investing in real estate while working as an Optometrist & Captain for the US Air Force. This eventually allowed him to retire early from his career in medicine to be a professional investor by strategically investing in markets that maximize cash flow, appreciation & equity. Zach went on to build a successful wholesaling, flipping & management business working across multiple markets which led to the foundation for Rent to Retirement. He is considered an industry expert in real estate market analytics. Zach has been published across many exceptional national platforms including: Forbes, USA Today, Fox News, NBC, CBS, Veterans' Affairs, Think Reality, and Inc. 5000. He is passionate about educating others on the numerous benefits of real estate investing, and how to use real estate as means to create the lifestyle each person desires for their family!   During the show we discussed: Motivation To Choose Real Estate Investing Over Other Careers Approach To Real Estate Investing And Key Market Factors Using Data To Make Real Estate Investment Decisions Advice For New Real Estate Investors Most Important Thing To Understand When Starting In Real Estate Best Financing Options For Real Estate Investments Benefits Of Building Then Renting Vs. Buying Then Renting Expected Cash Return On Real Estate Properties Benefits Of Long-Term Vs. Short-Term Rentals Success Story Of A Client Achieving Financial Goals Through Real Estate Unknown Benefits Of Real Estate Investing Strategies For Experienced Investors To Grow Portfolios Teaching Real Estate Basics And Helping People Succeed   Resources: https://www.renttoretirement.com/  

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIMN: Meet up with the RTR team at the Build to Rent Conference in Nashville at informaconnect.com/build-to-rent-east and use code REU2267RTR for 15% off.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIMN: Meet up with the RTR team at the Build to Rent Conference in Nashville at informaconnect.com/build-to-rent-east and use code REU2267RTR for 15% off.

This episode is sponsored by…AVAIL, BY REALTOR.COM:Manage your properties with the all-in-one platform for landlords! https://avail.co/renttoretirementNCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHow Rob Abasolo Built a Short-Term Rental Empire from $40K & Zero Experience! In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder & Zach Lemaster sit down with Rob Abasolo of HostCamp.com, a short-term rental expert who went from struggling with debt to building a thriving Airbnb business! Rob shares his first real estate deal, house hacking strategy, and how he scaled his portfolio using creative financing and partnerships.If you're looking to break into Airbnb investing, maximize STR profits, or turn a side hustle into financial freedom, this episode is packed with actionable insights!

This episode is sponsored by…AVAIL, BY REALTOR.COM:Manage your properties with the all-in-one platform for landlords! https://avail.co/renttoretirementNCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHow Rob Abasolo Built a Short-Term Rental Empire from $40K & Zero Experience! In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder & Zach Lemaster sit down with Rob Abasolo of HostCamp.com, a short-term rental expert who went from struggling with debt to building a thriving Airbnb business! Rob shares his first real estate deal, house hacking strategy, and how he scaled his portfolio using creative financing and partnerships.If you're looking to break into Airbnb investing, maximize STR profits, or turn a side hustle into financial freedom, this episode is packed with actionable insights!

In this episode, Tait Duryea and Ryan Gibson connect with Zach Lemaster to explore the world of turnkey real estate and build-to-rent properties. They discuss the benefits and challenges of owning physical real estate, the tax advantages of rental properties, and how busy professionals can invest without becoming full-time landlords. Zach shares insights on market trends, the importance of expectation setting, and why new construction rentals might be a better option than traditional rehabs.Zach Lemaster is the founder and CEO of Rent to Retirement, a leading turnkey real estate investment company. A former Air Force optometrist, Zach transitioned into real estate investing, building a successful portfolio of residential and commercial properties. He specializes in helping busy professionals acquire cash-flowing rental properties in high-growth markets, leveraging tax advantages and strategic financing. Through Rent to Retirement, he provides investors with turnkey opportunities, including build-to-rent properties, that offer passive income potential with minimal hands-on management.Show notes:(0:00) Intro(4:49) Zach's background: from Air Force to real estate(7:37) Why real estate is the IDEAL investment(18:52) What is turnkey real estate? Pros and cons(28:15) The biggest surprises and challenges for new investors(32:50) Build-to-rent: a growing investment trend(40:15) The risks of leverage in real estate(50:49) OutroConnect with Zach Lemaster:LinkedIn: https://www.linkedin.com/in/zach-lemaster-7b1530238/ Website: https://www.renttoretirement.com — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

Seamless Real Estate Investing Starts Here | www.connectinvest.com/rtr Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Your Path to Passive Income Starts with Tardus Wealth and Rent To Retirement! https://renttoretirement.com/tarduswealth Real Source Residential: Your Partner in Real Estate Success with Rent To Retirement! https://realsourceresidential.com/rtr Take Control of Your Retirement – Invest Smarter with uDirect IRA Services! https://udirectira.com/rent-to-retirement/

Seamless Real Estate Investing Starts Here | www.connectinvest.com/rtr Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Your Path to Passive Income Starts with Tardus Wealth and Rent To Retirement! https://renttoretirement.com/tarduswealth Real Source Residential: Your Partner in Real Estate Success with Rent To Retirement! https://realsourceresidential.com/rtr Take Control of Your Retirement – Invest Smarter with uDirect IRA Services! https://udirectira.com/rent-to-retirement/

Seamless Real Estate Investing Starts Here | www.connectinvest.com/rtr Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Your Path to Passive Income Starts with Tardus Wealth and Rent To Retirement! https://renttoretirement.com/tarduswealth Streamlined Property Management for Smart Investors | https://www.avail.co/renttoretirement Real Source Residential: Your Partner in Real Estate Success with Rent To Retirement! https://realsourceresidential.com/rtr In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster sit down with Shawn Moore, the CEO of Vodyssey, to explore how short-term rentals can transform your real estate portfolio.

Seamless Real Estate Investing Starts Here | www.connectinvest.com/rtr Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Your Path to Passive Income Starts with Tardus Wealth and Rent To Retirement! https://renttoretirement.com/tarduswealth Streamlined Property Management for Smart Investors | https://www.avail.co/renttoretirement Real Source Residential: Your Partner in Real Estate Success with Rent To Retirement! https://realsourceresidential.com/rtr In this episode of the Rent To Retirement Podcast, Adam Schroeder and Zach Lemaster sit down with Shawn Moore, the CEO of Vodyssey, to explore how short-term rentals can transform your real estate portfolio.

Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Seamless Real Estate Investing Starts Here | https://www.connectinvest.com/rtr Streamlined Property Management for Smart Investors | https://www.avail.co/renttoretirement

Your Gateway to Financial Freedom Through Smart Real Estate Investing | https://nchinc.com/rtr Seamless Real Estate Investing Starts Here | https://www.connectinvest.com/rtr Streamlined Property Management for Smart Investors | https://www.avail.co/renttoretirement

ABOUT ZACH LEMASTER  Zach Lemaster is the founder & CEO of Rent To Retirement, the nation's leading turnkey investment company. Zach is a seasoned real estate investor and licensed broker that has accumulated a large portfolio of rental properties across multiple markets including single-family, multifamily, commercial and new construction. Zach is a licensed Optometrist who practices on a volunteer basis.  Zach started investing in real estate while working as an Optometrist & Captain for the US Air Force. This eventually allowed him to retire early from his career in medicine to be a professional investor by strategically investing in markets that maximize cash flow, appreciation & equity. Zach went on to build a successful wholesaling, flipping & management business working across multiple markets which led to the foundation for Rent to Retirement.   THIS TOPIC IN A NUTSHELL:   Zach's Career Journey and Transitioning to Full-Time Real Estate The concept of Rent to Retirement and how it came about Understanding Cash Flow and Appreciation in Real Estate Investment Leveraging tax deductions and benefits What is 1031 exchange and the advantage of using it? Navigating Out-of-State Investment Opportunities Connecting people and investments that are not in their backyard Turnkey Rentals and Misconception on Turnkey Investments Creative deal structure and financing options Market Selection Strategy Significance of supply and demand dynamics Property Management and Insurance Strategies The most rewarding part of being an investor Connect with Zach   KEY QUOTE:  “What we really enjoy about working in the industry is how impactful of a difference we can make in people's lives, teach them, and help them build a strategy. It's not all sunshine and rainbows. Real estate takes work and takes grit. It's a long-term game, but if you stay committed, I believe it's the most predictable path to wealth.”    SUMMARY OF BUSINESS:  Rent To Retirement - We specialize in providing turnkey rental properties in the best markets throughout the United States. At Rent to Retirement, we've done the legwork for you. We have thoroughly researched the best markets across the United States, carefully considering the combination of cash flow, equity, and appreciation potential. Our goal is to ensure that you benefit from all the advantages of real estate investing without the headache typically associated with property management and dealing with tenants. Live where you choose and invest in the markets that offer the best returns.     ABOUT THE WESTSIDE INVESTORS NETWORK    The Westside Investors Network is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.    The Westside Investors Network strives to bring knowledge and education to real estate professionals that is seeking to gain more freedom in their life. The host AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management, and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.   #RealEstateInvesting #RealEstate #AparmentInvesting #AssetManagement #CashFlow #1031Exchange #TurnKeyRentals #TurnKeyAssets #TurnKeyInvestments #DebunkingMyths #TaxBenefits #CreativeFinancing #TaxAppreciation #RentToRetirement #Rentals #PathToWealth #CreativeDealStructure #RentalProperties #Optometrist #Residential #SeasonedInvestor #MultipleMarkets #InvestmentOpportunities #SteadyCashFlow #LatestPodcastEpisode #RentalProperty #PassiveWealth #JoinTheWINpod #DealDeepDive #WestsideInvestorsNetwork   CONNECT WITH ZACH: Email: invest@renttoretirement.com  Text REI to 33777 Instagram  Facebook  YouTube  TikTok  LinkedIn       CONNECT WITH US    For more information about investing with AJ and Chris:  · Uptown Syndication | https://www.uptownsyndication.com/  · LinkedIn | https://www.linkedin.com/company/71673294/admin/   For information on Portland Property Management:  · Uptown Properties | http://www.uptownpm.com  · Youtube | @UptownProperties    Westside Investors Network  · Website | https://www.westsideinvestorsnetwork.com/  · Twitter | https://twitter.com/WIN_pdx  · Instagram | @westsideinvestorsnetwork  · LinkedIn | https://www.linkedin.com/groups/13949165/  · Facebook | @WestsideInvestorsNetwork  · Tiktok| @WestsideInvestorsNetwork  · Youtube | @WestsideInvestorsNetwork  

Simplify Your Real Estate Investing Journey with Expert Support and Turnkey Solutions! Visit https://nchinc.com/rtr to learn more about it!

Simplify Your Real Estate Investing Journey with Expert Support and Turnkey Solutions! Visit https://nchinc.com/rtr to learn more about it!

Zach Lemaster is the founder & CEO of Rent To Retirement, the nation's leading turnkey investment company. Zach is a seasoned real estate investor and licensed broker that has accumulated a large portfolio of rental properties across multiple markets including single family, multifamily, commercial and new construction. Zach is a licensed Optometrist who practices on a volunteer basis. Zach started investing in real estate while working as an Optometrist & Captain for the US Air Force. This eventually allowed him to retire early from his career in medicine to be a professional investor by strategically investing in markets that maximize cash flow, appreciation & equity. Zach went on to build a successful wholesaling, flipping & management business working across multiple markets which led to the foundation for Rent to Retirement. He is considered an industry expert in real estate market analytics. Zach has been published across many exceptional national platforms including: Forbes, USA Today, Fox News, NBC, CBS, Veterans' Affairs, Think Reality, and Inc. 5000. He is passionate about educating others on the numerous benefits of real estate investing, and how to use real estate as means to create the lifestyle each person desires for their family!   In this episode, we talked to Zach about turnkey investments, key criteria for finding the right market, his strategies on investing out of state, his strategic partnerships and team, valuable tips for new investors, and much more.   Announcement: Learn about our Apartment Investing Mastermind here.   Turnkey Investments;   02:20 Zach's background; 05:51 Key criteria for finding the right market; 10:04 Zach's strategies on investing out of state; 14:45 An insight into Zach's strategic partnerships and his team; 20:48 "Turnkey Investing" and what to look for; 29:48 Tips for new investors; 33:59 Round of Insights   Announcement: Download our Sample Deal package here.   Round of Insights   Apparent Failure: His first experience in investing out of state. Digital Resource: RTR Portfolio's Wealth Calculator. Most Recommended Book: The E-Myth Revisited & The Millionaire Real Estate Investor. Daily Habit: Waking up early and starting working as soon as possible. #1 Insight for investing in new construction: The next 12-18 months is the right time to invest, not missing the opportunity will reward all investors. Best place to grab a bite in Denver, CO: Linger & Root Down.   Contact Zach: Website To get more information from Zach and his company, text “REI” to 33777.   Thank you for joining us for another great episode! If you're enjoying the show, please LEAVE A RATING OR REVIEW,  and be sure to hit that subscribe button so you do not miss an episode.

uDirect IRA: Empowering Rent To Retirement Investors with Self-Directed Wealth Solutions https://udirectira.com/rent-to-retirement

Lear More about NCH: https://nchinc.com/rtr Welcome to another episode of the Rent To Retirement Podcast!

Lear More About AVAIL at https://Avail.co/renttoretirement Lear More About Connect Invest at https://connectinvest.com/rtr

Learn More about RealSource Residential: https://realsourceresidential.com/rtr Learn More about Connect Invest: https://connectinvest.com/rtr Join Adam Schroeder and Zach Lemaster as they welcome real estate investor Henry Washington to the Rent to Retirement Podcast. In this episode, Henry shares his inspiring journey from a financial panic attack to becoming a successful real estate investor, completing his first deal, and building a portfolio of rental properties. Henry's story highlights resilience, strategy, and the transformative power of real estate investing. Key Highlights: 00:07 - Meet Henry Washington: From panic attacks to real estate success 00:29 - Henry's first deal: A single-family rental property in 2017 04:07 - How a late-night Google search led to a real estate revelation 06:30 - The influence of Rich Dad, Poor Dad on Henry's mindset 10:09 - Financing a deal with no money: Henry's creative strategies 19:52 - Mindset shifts: The power of decision-making and goal-setting 29:15 - Scaling up: From one deal to a portfolio of 30 doors in a year 40:00 - Building community and giving back: Henry's “See You at the Closing Table” initiative Henry Washington's story is a testament to the potential of real estate investing to change lives. Whether you're considering your first deal or scaling up, this episode is packed with actionable insights and motivation to help you achieve your investing goals.

➡️ Explore Real Source's offerings at realsourceresidential.com/rtr

Zach Lemaster is working in about 18 different markets doing anywhere from 800 to 1,000 doors a year!With his company, Rent to Retirement, Zach and his team help investors find turnkey rentals in the best markets across the country……while basically handling everything for the investor.And the kicker—you don't necessarily need a 20-25% down payment to get started.This turnkey rental strategy was so unique I knew we had to have him on the show.Ready to start building your rental portfolio without the hassle of hands-on management? If you're serious about building wealth through real estate, then it's time to explore Rent to Retirement's turnkey rental strategy. Imagine investing in the best markets across the country with all the hard work done for you!Want to learn more?CLICK HERE to Get Started with Rent to Retirement >>LINKS & RESOURCES7 Figure Flight School is a COMPLETE walkthrough that shows you EXACTLY what to do to start making money RIGHT NOW flipping and wholesaling houses in YOUR area - no matter where you live! In just 3 months, you'll get a simple system to start flipping and wholesaling houses... even if you're a beginner!CLICK HERE: https://7ff.7figureflipping.com/7ffs1 Can you “scale” a real estate investing business so it runs “without” you… while doing MORE deals than you ever thought possible? Inside the 7 Figure Altitude mastermind group, you'll meet and network with some of the nation's most successful real estate investors and tap into the exact business systems they're using to INCREASE and AUTOMATE their deal flow while working just a few hours per week. You'll connect with a tribe of action-takers who understand what you're going through and the challenges you face as an entrepreneur. If you're ready to remove yourself from the “day-to-day” operations of your business so you can get your life back and stop working 80+ hours per week, apply to join 7 Figure Altitude!CLICK HERE: 7FigureAltitude.com >> Hosted on Acast. See acast.com/privacy for more information.

Keith discusses the inefficiency of compound interest in wealth building, advocating for compound leverage through real estate investments. He illustrates how a $100,000 investment in a $500,000 property at a 6% annual return can yield much higher returns due to leverage (see the math below). He also explains how mortgage rates are influenced by long-term bond yields and discusses the benefits of real estate over stocks. A coaching call with GRE Investment Coach Naresh highlights the process of investing in real estate, including financing considerations and the role of a coach in guiding investors.  Here's the math on a 5:1 leveraged RE return at a 6% appreciation rate:  Year One: $500,000 x 1.06 = $530,000. Subtract $400K debt = $130,000 equity Year Two: $530,000 x 1.06 = $561,800. Subtract $400K debt = $161,800 equity Year Three: $561,800 x 1.06 = $595,508. Subtract $400K debt = $195,508 equity. GRE Free Investment Coaching: GREmarketplace.com/Coach Show Notes: GetRichEducation.com/526 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai   Keith Weinhold  0:00   Keith, welcome to GRE I'm your host. Keith Weinhold, make America rich again in play numbers. You'll get a fresh take today on how compound interest does not build wealth and compound leverage does. Then you'll learn about how bond market moves affect mortgage rates. Finally, you get to listening to a call between one of our investment coaches and a GRE follower today on Get Rich Education.   Speaker 1  0:33   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:35   Welcome to GRE from Altoona, Pennsylvania to Saskatoon, Saskatchewan, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, the voice of real estate investing Since 2014 you're going to hear some things that you've never heard before today, and some listeners tell us that GRE is unlike any real estate information they've ever heard. And with what I want to tell you today, well, again, it's information that I've never heard anywhere else, either. So what I endeavor to regularly do for you here on this show is to tell you what I wish I had known sooner make America rich again, nope, that is not my presidential campaign platform for my run in the year 2032, or anything like that. It is this, don't get your money to work for you. In fact, if you want real wealth, don't work for money or get your money to work for you. Don't make either of those things the focus anyway, avoid growing your money through compound interest, because that's not the formula either. Now you and I have covered that ground before, if you're new here, and that material makes you say what you might have thought things like that were the holy grail of wealth building, nope, and today, for the first time on the show, in over 500 episodes, I'm gonna put some real numbers to that to show you exactly what I mean. Let me explain to you how to invest to truly win in a way that you've never seen in your life. You're not gonna improve only your life, but generationally, your entire family's life. At your job, you are like a dock worker. You're trying to pull your boat up to the dock so that you can then make a short, easy hop onto the boat and get away. And you'll learn how I did that and how I would begin investing today if I could start all over again. Now, after I had graduated college and had a job, I used to think, Well, yeah, I'll invest through a 401K in mutual funds, because it's easy and it's just deducted right from my paycheck. Well, when you do the easy thing in life, there's usually not much reward. And back then, I thought, Well, why would I invest in real estate anyway? I mean, a stock and mutual fund return on investment is about 10% over time. Real Estate is more like five or 6% plus real estate has all these maintenance hassles, and in the stock market, your 10% return enjoys compound interest. I don't really know how that works over on the real estate side, all right. Well, let's look at some numbers with how this would all work anyway. Here we go with $100,000 invested in stocks at 10% after year one, it's grown to $110,000 in year two, you don't just have 120k you've got more, because the 10% compounds on the 110 10k so now in year two, you've got $121,000 and I bet that you don't see any problem in this yet, right? Hey, things are going great. And after year three, you're up to $133,100 All right, so there we are. You begin with 100k and after three years, you've got then $33,100 in profit, your gain, on top of your 100k All right, that's what compound interest does. Well, let's take a closer look at that. $33,100 first, okay, I could attack it a slew of reasonable ways, if I wanted to, we could subtract out the constant drags on that of inflation, emotion, taxes, fees and volatility. But let's just take one volatility. We smoothed out our 10% return saying that you achieved it every year in that example there, we know that does not happen in the real world. Stocks are volatile, and the more volatile the return, the lower the return. Because instead, if you were up 20% one year and then down 20% the next year, which stocks are known to do you're not even you're down your 100k would instead go up to 120k in year one and down to 96k in year two, a loss, like I've told you before, that right there is the difference between what's called the compounded annual growth rate and the average annual return. But we'll just leave stocks number right there. We'll say that despite all five drags, volatility, of which is just one, the compound interest still somehow gave you this $33,100 gain. That number is about to look really disappointing, and this is about to get really interesting.    Let's compare that to real estate, and we'll say that despite that, it only returns, say, 6% per year here. Well, how do most people buy real estate? They do it with other people's money. OPM, remember earlier that I talked to you about how you don't create wealth from getting only your money to work for you, like you did in the stock example. Yeah, here's how you ethically use other people's money to buy real estate. When you invest 100k in a rental property. That's your 20% down. You get to borrow 80% from the bank, 400k so now you control a $500,000 property. And here's the thing, its entire value appreciates a 6% all 500k not only your 100k invested, yes, so you're now about to get the return on both your 100k and all of the bank's money. 400k that you get to leverage returns from both are about to go to you. Oh, yes, let's run these numbers, instead of compound interest, you're about to get compound leverage, using those borrowed funds to amplify your own return. So with your 100k invested on a 500k property at 6% after year one, you've got 130k after year two, $161,800 and after year three, $195,508 why? Because, again, your 6% return was accumulating on the 500k property. All right, so after year three, with this $195,508 you're gonna subtract out your 100k down payment, and your gain is $95,508 All right, that is compared to your compound interest based stock and mutual fund return of just $33,100 if you'd like to see the math for that leverage. Return that is in the show notes. Look for it there. See, by employing other people's money, it's like when you were a kid and in the evening, your body cast a shadow five times taller than you actually were. That's how leverage allows you to magnify returns and appear to be a bigger, taller investor than you actually are. Yes, your 20% down payment on real estate gave you five to one leverage amplifying your returns. If you listen to the show for a while, you understand that, but you never saw that numeric dollar per dollar comparison like we just did. So after three years, how about 33k profit on stocks and 95k on real estate? Real estate returns almost three times as much. But in reality, it's probably more than a 3x win for real estate because you're 95 Gain over three years in real estate, equity is actually going to be higher, because your tenant is also paying down your principal balance on your 400k loan every single month for 36 months in this three year example, if your property is vacant, 10% of the time they paid it down for you 33 out of 36 months, and as we know, at the same time, inflation pays down your loan even faster than the tenant does. Real Estate is also more tax advantaged than your stock gain, because you never have to pay capital gains tax on your 95k profit with a 1031 tax deferred exchange. And on the downside for real estate, upon owning the property, you will need to pay closing costs of maybe four to 5% of the purchase price. All right now, in this 95k gain for real estate versus 33k gain for stocks, I did some rounding there. Yes, even if your stock return was in a 401 K type fund, well, you would still have to either pay the tax now with a Roth or later with a traditional retirement plan. So you're still paying the tax. The higher real estate return is also more likely because real estate is less volatile than stocks, and I've got more vitally important things to tell you about how you just grew wealth about three times faster with leverage than with compound interest. And yes, this is exactly the kind of stuff I wish I knew when I had just started out. Now if you think you don't have the money for a down payment. I'll get into that. But first, a big review here, and I've woven threads of this review through previous episodes. First, don't focus on getting only your money to work for you. And second, stress compound leverage, not compound interest. Optimize using other people's money. And when you take out a loan for rental property, you get to use other people's money three ways at the same time, three different entities, you're using their money. Number one, it's for the bank's loan, like we discussed. Number two, you're using the government's money for generous tax incentives. I only touched on one of the tax incentives. And then, thirdly, you are using the tenants money to pay down your mortgage loan and pay all of your properties operating expenses, like maintenance repairs, insurance, property taxes and pay your property manager to make this all mostly passive for you. I don't manage any of my own properties. I think you already know that. And on top of that, hopefully you'll have a little residual income after expenses every month, your monthly profit of rent income minus expenses, that is called cash flow. And when I talk about doing this ethically, use an experienced property manager. Never get called a slumlord. Provide housing that's clean, safe, affordable and functional, okay, some really core, enduring, GRE mantras in there. But what if real estate goes down in value? It's not common, but I did have it happen to me around 2008 we won't even talk about what happens when stocks go down in value, but when real estate values went down in 2008 it just didn't matter that my rental property's values were temporarily suppressed because my rents were higher than my expenses, I was still making income each month off the property. That's a good way to own property, if you can. I'm not motivated to sell an asset. I mean, are you motivated to sell an asset that's paying you income every month during a time when it's capital value dip, so probably not. And by the way, there is nothing new or esoteric here. You just haven't had it explained to you in this way before. This 33k from stocks and mutual funds versus 95k from real estate you haven't seen that before. This is simply buying houses with plain vanilla 30 year fixed rate loans, and it's just simply long term buy and hold. This is not flipping, as I like to say. This is not day trading. This is decade trading, as you continue along in your real estate journey, keep stacking more properties, and it's gonna go faster than you think, because you've got this power of compound leverage, and your tenant also pays you income that you can use toward buying the next property, and then as a backup, you have that trapped equity that keeps accumulating in your property. And the reason this goes faster than you think is that you can also release that equity by removing it with a completely tax free event, a cash out refinance, all while you still hold onto the asset and you. Use the untrapped equity to put down payments on more property. Now, what if you think you don't have the money to start or get as big as you want, as fast as you want? Well, I've met a lot of people that when they understand this compound leverage concept, they withdraw their 401 K funds, pay a penalty and pay the taxes, and they put those funds toward real estate. I mean, you would owe taxes on it anyway. Now that part may or may not be ready for you, but you know, once I understood this, what I did is I stopped contributing to my 401K and I instead got into compound leverage. Yeah, this is how to make America rich again. Now, what if you think you don't have 100k to invest in property like we did in our example? Well, there are perfectly good $200,000 properties at GREmarketplace.com where you could make a $40,000 down payment. But you still might be thinking, I'll just say that the real estate market is just really competitive now, and that your small down payment maybe it can't compete with a deep pockets all cash offer, because all cash buyers can close really fast, but no your small down payment can still compete with all cash offers, because Some sellers don't want a quick sale for either tax reasons or myriad lifestyle reasons that they might have, I like to say that using debt is like using fire if it's misallocated, like with 23% credit card debt, that's what the average credit card interest rate is right now, 23% well that can burn down your financial house. But if you know how to use the debt in a controlled manner, like from income property that others paid down for you, oh, that fire is contained in a stove, and that fire or fireplace will heat your home. If I could start all over again with what I know now, it would be to embrace good debt, because tenants pay down this debt for me, so use it as leverage to build a real estate empire. Think of it this way, besides the employer match, every dollar that you lock inside a 401K is $1 that you cannot use to leverage other people's money. Back when I started investing, I should not have contributed to a conventional retirement plan beyond the employer match myself. So I used leverage to pull my boat up to the dock more than three times faster and escape the day job when I was still young enough to enjoy it. And once you know the difference, why would you want to do life any other way? You might have heard that real estate has made more people wealthy than any other investment today.    You've learned how now, sometimes it is hard to stop and turn off a mindset if the same thing has been believed for a long time. I think we've all experienced that. If you believe something for a long time, well then it's hard to change your mind on that, and you might even fight and defend that core belief. That could be the case here with me, denigrating the wealth building capability of compound interest. And if you're still wrestling with that yourself, a great compliment where I discuss this more in depth and in a different way, can be found on an episode that I did earlier this year that is on GRE Podcast, episode 507 episode 507 is called compound interest is weak. I'm here to talk to you about things that are really gonna move the meter in your financial life, like what I've covered with you so far, and what I'm gonna help you learn next. You know, there's just some information out there, even real estate information, it's just not that useful. Say, for example, mortgage purchase applications were down from last week, but yet they were up month over month. Well, that might matter to certain sub industries, but it doesn't move the meter in your life with how you're going to actionably build wealth.    Hey, before we move on, I want to give a major shout out to this show's long time, steady, capable sound engineer, Vedran. He just hit the 10 year mark of filling that important role for us here. Yet 10 years almost since the inception of this show. He's been with us since November of 2014 so since about episode five, and he's edited every single episode since then, and he recently told me that he looks forward to the next 10. Congratulations, Vedran. Also, thanks to you, the listener, the follower. Here, we held three GRE live virtual events this year, webinars. You. You are really taking action. Back in June, we broke a record with 307 registrants for that event. And then our latest event that was held about 10 days ago saw another record broken, 528 of you registering, and I say thanks, because you make me feel good. You're showing that I'm helping make a difference in your life. And now maybe you're thinking these events or this platform, it's getting too well known, and if you show up to a future event that you might not get to ask a question, no, that's not the case. Not everyone that registers shows up for the event live, and then you can ask a lot of your own questions with a personal free coaching call as well. I'll let you listen into a coaching call later on, today's show. In fact, now I've shared with you a few times before that changes to mortgage rates don't follow changes in the federal funds rate that Jerome Powell and the FOMC said. I've also told you that mortgage rates closely track long term bond yields, but let me tell you about what all that really means, and this is going to help you understand and perhaps even predict the future direction of mortgage rates. In fact, it's unusual. You know, the largest market in the world is not the real estate market, it's not the stock market, it's the bond market. And What's unusual is here we are on episode 526, and we've really never discussed the bond market. Well, you're probably aware that a month and a half ago, the Fed dropped interest rates by a half point. Their next decision is in just three days. Now I don't think they should drop rates again, though they could. That's because since the rate cut, GDP and job growth have been strong. That's why I don't think they should do it. I mean, rates usually get cut to help a wounded economy, so why lower them now? I mean, recessions usually see rate cuts. But here's what even fewer people understand when the Fed cut rates a month and a half ago by a half point, why have mortgage rates soared since then? They were about 6.1% and then the Fed made their cut, and mortgage rates recently spiked up to 6.9% well, many still feel that the long term trend for all types of interest rates is lower. But you know for one thing, rates are really hard to predict. The Fed only controls short term rates. Long term rates, like the 30 year and 15 year mortgage are tied most closely to the yield on the 10 year treasury note, and here after I'll just call that the 10 year All right, so what is this and what controls it? Well, don't let that name intimidate you. This is get rich education. So let's break down each word yield on the 10 year treasury note. Yield just means interest rate. 10 years is the period of time that this loan is made for the duration the US Treasury issues them so they receive the loan and a note is an IOU. It was also known as a bond. That is what's held by the person or the entity that loaned the money, the person that loaned this money to the Treasury. It could be you yourself, or it could be a foreign nation. So you hold on to this note because you made the loan to the Treasury. That's the breakdown of every word of the phrase the yield on the 10 year treasury note. Okay, so to say it a different way, if you hold a 10 year treasury note, that is basically your receipt, your proof that you made a 10 year long IOU to our federal government and it is going to pay you an interest rate known as a yield. All right, that is the simplest explanation I can give. Well, a month and a half ago when Jerome Powell cut short term rates, the 10 year was 3.7% at that time, and at the beginning of last week, it was up to 4.2% that's the highest since July. And again, 30 year mortgage rates most closely track the 10 year all right, as you and I sort of hold hands through this together next, let's ask what made them rise. And you know, some think this is harder to understand than trying to understand why YouTube viewers constantly fall for ludicrous housing price crash videos. Okay, but relax. This is easy. When the economy gets hot, all these things tend to rise in value, real estate, stocks and also productivity rises. Employment rises. Is an inflation that tends to rise as well. Because a 10 year investor needs a real return above the rate of inflation, this yield must rise as well. That's it. You got it. You got it. So therefore, when a rosy jobs report comes out, the 10 year tends to go up. When a strong retail sales report comes out, the 10 year yield tends to go up or a high flying CPI is released, the 10 year tends to go up. And therefore, because it rose in the past month, investors have expectations for a strong economy and more persistent inflation. So conversely, expect both the yield on the 10 year treasury note and the 30 year mortgage rate to fall when the economic outlook gets more dim. It's important to understand that, like a lot of things in the stock market, yields on the 10 year they tend to be more of a reflection of future economic expectations than the current economy. And this should be pretty easy for you to remember, because when you think about it, that makes sense. Since you've lent out your money to the federal government for 10 years. I mean, you're really interested in what that 10 year future is going to look like. So yes, though this is somewhat less exciting than watching a motorcycle jump over the Grand Canyon now that you listen closely for the last few minutes. Congratulations. Now you know that the 10 year can tell you both what investors expect to happen in the future, and can tell you the direction of 30 year mortgage rates. And, yeah, I mean, this is just more the type of material that I wish someone had explained to me sooner, in a way, just like that. And you know, are you interested in doing things that at the end, they make you say, You know what, I just got 1% better this week. I mean, think about the kind of person you'll be if you make yourself just 1% better each week. Now you better understand how leverage beats compound interest and what makes mortgage rates move. Go out and vote tomorrow as far as next, listen into one of our GRE investment coaching calls. I'm Keith Weinhold. You're listening to get rich education.   Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com.   your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4% you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to an 8% return with compound interest, year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor too, earn 8% hundreds of others are. Text FAMILY to 66866, learn more about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text Family to66866.   Zack Lemaster  29:08   this is rent to retirement. Zach Lemaster, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  29:22   Welcome. Back to get rich Education. I'm your host. Keith Weinhold, there will only ever be one GRE podcast episode five under 26 and you're listening to it. Let's let you listen into a coaching call between GRE investment coach Naresh and GRE follower, Brenda, and then I'll be back to wrap it up at the end.   Naresh Vissa  29:41   hey, Brenda, good to Good to see you after emailing back and forth. Thanks for setting up this call.   Brenda  29:47   Yeah, thanks, Naresh, thanks for setting up time to talk to me.    Naresh Vissa  29:49   Yeah. Well, tell me what made you schedule this call, like, Why did you hit that button saying I want to talk to the real estate investment coach?   Brenda  29:59   Yeah, well, I've seen some of the newsletters that come from GRE I'm familiar with some of the podcasts, but then I had gotten into the newsletters, and then I saw that there was an option for a free consultation to talk to you. And I thought, Well, I'm not sure what this really means, or what we talk about, or how you can help me, as far as, like, the vision, or how do I set my goals? Or what is it exactly that I would do with you with GRE, like, what kind of consultation Do you provide?   Naresh Vissa  30:29   Yeah, well, so that's you came to the right place. So let me tell you a little bit about GRE, a little bit about me, who we are, how we operate. So get rich. Education is an education company. As you know, you listen to the podcast, you read the newsletter. It's free. The podcast is free. The newsletter is free. You can go to our website, read our blog, go through past podcasts. You can subscribe to our YouTube channel, subscribe to our social media, Tiktok, Instagram, Facebook, X, you name it. That's all free content available for you, and this service, the real estate investment coaching, is completely free of charge. I know that sounds kind of crazy, but you'll never pay as a dime. I'm here to help you throughout and along your real estate investment journey. Think of me as a super connector, someone who can introduce you to all the right people, whether it's specific markets you want to invest in. Providers. There, wholesalers, flippers, lenders, appraisers, although your lender will take care of the appraiser part, if you need a second lender, financing, CPAs, attorneys, anything at all, just come to me and I can introduce you to the right people, or at least point you in the right direction. I'll try my best to do it 100% of the time. I don't, or I should say, I don't, have answers 100% of the time, but I do have answers most of the time, and I can forward you and refer you, point you in the right direction. So think of me as a super connector. Think of me as your silent partner in deals, because I get any equity in the deals who you don't have to pay anything to think of me as an advisor, a consultant. Again, this is a completely free service. There's you're not going to get like, a bill in the mail saying, Hey, you talked to Naresh five times, so you owe us $1,000 for that. Now, there's none of that. So the most common question I get after telling people this or, like, well, then, I mean, you can't be doing this for free. Like, why are you doing great? Like, like, yeah, what's the catch here? And they also have, I mean, I'm sure you're wondering, how do you make money? Well, if you listen to the podcast, if you go to our website, you'll see advertisements, sponsorships. We are paid marketing fees, advertising fees from partners. So you listen to the podcast, I'm sure you hear many of those commercials. We make our money on the back end, so we can keep services like this and our newsletter and our podcast free on the front note, like I said, GRE is not is an education company. We are not a broker or a wholesaler or a flipper or a builder or an agency or a realtor service or any of that a brokerage, where we're not of that, we're purely education, education based through our educational content or free educational coaching, which I offer too. So that's what you are. Got it .we work with all those other companies. So we can refer you to all those other types of companies that can help you on your real estate investment journey. But we are not any of those. Now me, personally, I am an investor myself. I own eight properties in southeastern United States. I got started in 2017 I bought my first property in a single family home. That was rehab. Back then, rehabs are very hot. That was what you should get in, that what made sense to get into. And I scaled pretty quickly. I went from one to eight in a matter of it's been seven years since I bought that first property, but I actually went from one to eight in a matter of more, like two and a half years, I just kind of went so I bought, like I said, southeastern United States, bought my last property in 2020 I'm saving up for my next property because I personally now only, like new construction, I rehabs have their place, certainly For certain investors. And at the time, I got six rehabs, rehab properties from 2017 to 2019 so I personally, though, am now saving up because new construction is more expensive than than rehab. So I'm saving up for my next real estate property, which is most likely going to be a new construction. So that's a little bit about my investing background. I've been a real estate coach Since 2019 came in 2021 to GRE and have run the coaching side ever since. So that's a little bit about me on the real estate side, on the coaching side. Now, my background is not in real. Real Estate. I like, I said, I got in 2017 before that, and I still do work in tech. So I worked in tech from 2000 really, from 2005 and still do work in tech. So it was through my tech work that I got involved in real estate, because I would do back end tech work for real estate companies. And doing that work, I was like, Oh, I started learning about real estate, and then I said, huh, if this doesn't seem hard or difficult. And I also got an investment coach who helped me, like I said, with that competitor, they also had investment coaches or investment counselors. So I had a coach who helped me a little bit, but that's what the coaches are for there to help investors like me, especially newbie investors, or even veteran investors. They're there to help investors with the networking part, with the who are offering the best deals, special deals, special interest rates, who's honest, who's dishonest? That's what I'm here to do. So that's a little bit about GRE About me, about my background, how our coaching program works. So now, Brenda, it's all about you. I want to hear I'm sure you have tons of questions based on what I just said, but before you ask those questions, I'm just going to start out with, how much cash do you have ready to invest? Because really, I could be of most service if you're looking to invest, otherwise, I can't really be of much service. So how much cash do you have ready to go to invest? And then I'll answer, I'll say something about that, and then I'll let you ask whatever questions you want.    Brenda 36:35   Sounds good. Just a cash ready for deployment is 100,000 but I'm assuming that doesn't all have to go to one property, right? Or depending on the property?   Naresh Vissa  36:46   Yeah, so, so is that lick? So what I should have clarified my question as how much liquid cash do you have on not like a 401, K, or properties that you have to cash out refinance, or it's just if you today, if you were to take a property and and you had cash ready to do so be $100,000 Yeah, correct. Okay, so, so a few things that's very good, because with 100,000 that gives you optionality. You can either go for a rehab property, and we have rehab property right now. Our hottest provider is in Memphis, Tennessee, and you can get a rehab property. Worst case scenario, let's just say the property, the average property, is about $100,000 and so you just put down a 25% down payment. So let's just give or take, let's say $30,000 I tell our investors. I say, Look, if you want to buy your first property, or Yeah, your first rehab property, you need at least $50,000 cash, liquid in the bank, ready to go. That's just because you want that cushion. You don't want to put all your eggs in one basket. So I say, if you want a rehab property, you need 50,000 if you want a new construction, single family 100,000 because the new constructions are going to cost you at least $240,000 at least. So if you take 25% of that, plus closing costs and cushion and everything, just if you want to be a good investor, you have to be disciplined. And you have to be disciplined enough to be able to save the 50,000 or the $100,000 if you want to make it as a real estate investor. So 50,000 for a rehab property, 100,000 for a new construction. If you want a duplex, you need, I say, a new construction duplex, which is probably our hottest new construction asset class right now in Florida, 150,000 for a new construction. Down payment or not. Down Payment task, ready to go for a new construction duplex, because those are selling for about 490,000 give or pay. So it's 50,000 for rehab that you should have in the bank. 100,001 in the bank for a new construction, single family. 150,000 for a duplex. Anything beyond that, then we can talk. You know, later you wanted a squad or something else, but that's generally what I say. And I tell, I tell investors. I say, Look, if you only have $30,000 in the thing, let's connect after you get up, because I don't want you putting all that 30,000 into a rehabbed property, whereas, who knows, maybe the economy might go into a recession and it stays vacant for six months. I don't want you to have to go through that. So let's stick to those numbers. So you said you have 100,000 so you have options. You can you can get either a rehab property or you can get a new construction. So it's completely up to you. It's about your new construction. Single family, it's completely up to you. I personally, I, like I said, I started out with the rehabs, and then I've kind of graduated up to new construction. God, they the lowest risk you can take with 100,000 is by starting with a. Be just a low price rehab where you put in $30,000 and full, you know, down payment burden, costs, everything else you put that, you know, 30 grand, if it first property, you put that 25 to 30 grand in, and you treat that as a learning experience. And you go through the experience, and if everything goes smoothly, then you can buy the second property, and you can decide whether, hey, do I want to continue with this rehab, or I'd still have enough capital for the new construction single payer. But I would start small. If you're new, if you're an advanced veteran investor who has six figure, well into the six figures in the bank, ready to go. I tell those people. I say, hey, let's just go for new construction. Let's go for the new construction. Single family. Let's go for the duplexes. Some of them have 700 $800,000 in some cases, a million dollars plus. I say, hey, let's let's just go for the quad to the construction four Plex. The incentives are great, etc, etc. So in your case, 100,000 you certainly have choices. And what I'll do after this call is, well, first I want to hear, based on what I said, What are your thoughts on anything, whether it's renew, construction versus rehab, and then what I brought up earlier about coaching?    Brenda  41:12   Yeah, I actually thank you, Naresh, I really like what you said about starting small. I have purchased two single family homes in the past, their rentals, but I never went through a coach. I just kind of did it on my own, and luckily, things worked out. But certainly having a coach and starting out small, just to kind of go through the process, it's really helpful. Here's the situation that I think is just a little bit different, and I know that this would probably be something that I talked to like a lender about. But in your experience, I actually just came from an 18 year career. Actually, I was in tech myself, but I'm now transitioned from a corporate w2 into more, but 1099, what's classified as like a independent company, you know, type of income, what has been your experience with other clients that transitioned from that type? Is it easier? Is it harder to obtain loans? Is there going to be different requirements? 25% does that still stand?    Naresh Vissa  42:13   Yeah. So I could give you a full, you know, lecture on this, or something called the housing expense ratio and something called the total obligation ratio. I'm not going to get into those details, because the lenders, I can refer you to lenders, and they can explain all that, and those ratios mean a lot to getting you pre qualified. But what I will say is, unfortunately, if you are 1099, you are at a disadvantage, because it's not steady, consistent income, unless you can show two years of steady, consistent income. I mean, really is the last for your last two years of tax return. So if it's a new 1099, gig, yep, you're gonna have to wait until you have two years of consistent high income. If you've been doing it for a while, then send your last two years. And if it's, you know, if it's looking good, then, then you'll get approved. The other option, and this is, this is not a personal question or anything, but it married couples can go together on one loan. So if this actually helped me out a lot, because my wife is a high income earner, and I have my own business, and my business does pretty well, but if you're 1099 as as you know, there are all sorts of things you can do with your tax return that are completely legal and to where you pay yourself as little as possible, so that you can cut your income tax. So in any case, that's like 1099 workers are a disadvantage for mortgage because all they care about is your pay stub, your you know, how much income did you have? So there were times when I put my wife on the mortgage and she's got a high income, and so you can put a spouse on there, and you can both do it together. Now you're allowed 10 loans per person, so if you want a spouse go on a mortgage that counts, even if it's for one mortgage, one property, that counts as one for each of you. So for two working husband and wife. For a couple where both spouses are working with good income, I say look, you'll want one spouse to do 10 properties and another spouse to do a completely different 10 mortgages. That way you can do 20 combined. Now, if you do it together, then you'll only be able to buy 10 combined because you're older than so 1099, workers. We get that question a lot, and it actually it is a problem, because the standards changed after 2008 so either wait the two years and have your consistent records to show high income, or if you already have it right now, then you can get approved.   Brenda  44:54   Got it. Got it. This would be for just conventional loans. What about other loan products? Like, I think I've heard of the DSCR loan where maybe just the rental property would cover, you know, part of the I'm not sure, like, I guess you're guaranteeing that the property will make enough money to cover the payment of the loan.   Naresh Vissa  45:12   Yeah, DSCR and loans are hard to get approved. Really, what I should do is introduce you to some of our lending partners. If you're interested. DSCR is meant more so for people who have utilized you want to use those 10 loans first, so because if you go you're going to have a higher interest rate if you go with the deal. So those DSCR loans, or Portfolio loans, are meant for people who have used their 10. Their spouse has used their 10. They've got capital low rolling in their ultra high net worth. So they're fine, okay, just get me another loan. I need the tax benefit. I need the tax break. I'm fine paying a 10% interest. So they'll go for a portfolio loan or a vsdr loan. In your case, first property, your first investment property, first turnkey we want to go for a loan.   Brenda  45:58   Got it makes sense. And then another question, so this was about the financing. But another question that I meant to ask earlier is, I know you mentioned, like, you know, I am not like a realtor or anything like that, but how does it work? Like, I'm think about when I'm purchasing a home, personally, I kind of say, hey, I want to three bedrooms, four bedrooms, this many baths. Like, how does that work with you? Like, do I give you criteria of what I'm looking for, or, you know, based on my goals? Do you kind of craft a plan? How does that work?   Naresh Vissa  46:29    Yeah, so I actually sent you an email just right before this call it. I think you got the email, and it includes a link to about 20% of our inventory. It's not all of our inventory. That inventory is just there. To get you started to see the types of properties that we have available. We have some constructions and the markets that we cover, again, it's only about 20% of the inventory. If you go to our GRE marketplace, you can see all of the markets that we cover. Your biggest source will be, I send out emails. So your biggest source will be, if I email you, I'll email you like a property. It'll be, Hey, I just came across this deal. It's like, it's my VIP email list. So you'll get my, you know, VIP emails, and that's going to be your, your best source. You also get Keith white holds newsletter, which promotes properties from time to time and and we only promote the best. We there are hundreds of properties we can promote. We only distill it down to the best of the best. So don't think, oh, like, there might be another property that narration knows about. Now we promote through our social media, through my email list, through Keith's newsletter, through the podcast, through the webinars, the best of the best. So that's the best way to to find out,   Brenda  47:49   got it your inventory or what you currently right,   Naresh Vissa  47:52    and with your permission, I can add you to my VIP email list. If it's okay, yeah, that would be cool. I'll go ahead and add you, and you'll start getting those emails in real time. I only send out an email maybe once every three weeks, so I really only want to send the best of the best. I want to waste people's time.   Brenda  48:07   Great. So what if you do send me an email and I'm like, Yeah, I love it. I think this is fits exactly what I'm looking for. Do I email you back? Do I contact you? Like, how do we stay in contact?    Naresh Vissa  48:18   So email is the best form of communication, because in real estate and business in general, we want documentation of everything. We don't want any miscommunications. So if you see something you like, email me. I'm available. You have my phone number. You can text me, you can call me, you can email me. I'm very accessible, but email is preferred, because that way it's in writing, and I'll know exactly what you want, the address, everything. So let's say you see a property that you like from an email that you get from Keith or from me, and you email me to say, hey, I'm interested. What are next steps? I will get you in touch with the actual like I said, we're just an education company. I'll get you in touch with the actual builder or the broker or the agent on the property, and they'll be able to answer way more questions than I can answer way more and that that's for anything. If your question is about financing, I can get you in touch with several good, low rate lenders, and they can answer all your questions about financing. Your question is CPA Tax stuff. I can get we have, uh, several good contacts who can help you out there as well.    Brenda  49:20   Got it, got it. So then what, what does our communication look like from there? Like, do if I say yes, I want it, then you get me in contact with them, and then I kind of work with whoever it is that has this property. And then hopefully we just close on the property. And that's it, right? Am I understanding that correctly?   Naresh Vissa  49:40   Sure? So, so all correctly? Yeah, I'll refer you over to them, and they will, they will take care of you. Should copy me on all emails that way. Okay, what's going on? Copy, you remember, I'm your coach. I'm here to help you, like it's free, so copy to an email so I know what's going on. If there's a problem, I can jump in. In many cases, I hold a leverage over a lot of these. People, if a problem happens, I can step in and say, Hey, treat her better. Or, you know, you should waive this cost, or whatnot. So copy, because the people who get into trouble are the people who didn't copy me on the emails. And many, many time, time just goes by, and then they come with their problem as they Hey, if you came to me a year ago, I could have actually helped you with this. Now, the statutes expired, and it's, it's a complete mess. So always, even after you're done posing on the property and you have a tenant in there and just copy me on me.    Brenda  50:30   Got it. Okay,  So kind of bring you along the journey. Okay, so let's say I'm at the end, like, do these providers help me? I'm assuming in some of these cases, you've mentioned places that are far from where I live. So do they help provide additional resources, like, who's going to manage my property, or who's going to find me a tenant? Like, could they help me with that?   Naresh Vissa  50:51   Absolutely. So the entire point of GRE of this investment coaching program, the entire point is so that you can become what's called a laptop landlord. You can literally live free and have just take a step back and have your properties run on their own. So the idea is not for you to invest down the street and become a property manager and a landlord down the street. It's you can be anywhere in the world. Buy properties anywhere. Like I said, I live in Florida, but by Prop, I've never visited any of my properties. I've never met a tenant. So that's what you want to do, and that's what we help people do. If you want to buy a property across the street and become you can do that yourself. Go through all the loops yourself. We are here to help you invest in Ohio, in Tennessee, in Florida and Texas and all these places that you may not have even visited every other life, but you can still have a very fruitful investment journey. So we set all that up for you, the property management, every all that it's going to be taken care of, so that your hands off. That's why it's called turnkey real estateReal real estate investing.   Brenda  51:56   Got it. Okay, sounds good. And typically, how long does this process take? I mean, I'm sure it's different for everybody, but what can I expect, like from beginning, from when I talk to you, to when hopefully I have a property that I'm signing off on?   Naresh Vissa  52:12    In some cases, it's literally taken two days. In other cases, it's taken there's not even an answer, because people did end up buying Okay, yeah, so, so, yeah, in in the case of, like, our Memphis burr properties, which are rehab properties in Memphis, I recommend that you watch our burr webinar. I can send that to you after this call, if you'd like. But I had people who watched the webinar talk to me. I introduced them that same day to the provider in Memphis. They talk to their provider in Memphis, and then the next day, they pick the property, and the day after that, they sign a contract. Oh, okay, so it's all about the investor. If you're a serious investor, it can be very quick, like me, I was very serious. That's why I scaled. I bought eight and two and a half years, eight properties in two and a half years. Other people, if you want to take your time, it could, you could literally take your time and never buy any and a lot of people are doing that, because in 2019 they said, Oh, you know what, I'm gonna wait. There's gonna be a crash and this and that. And so they waited, they waited, and prices skyrocketed, and now they said, You know what, I'm I'm priced out of the market, so I'm just not gonna invest in real estate anymore.   Brenda  53:16   Yeah, it's that analysis paralysis. I've experienced that. Yeah, yeah, got it. Okay, cool.   Naresh Vissa  53:23   All right. So any other questions?    Brenda  53:25   No, this is really helpful. It's kind of good to know, like, kind of where you step in and kind of where you hand off, and again, the timeline is different for everybody, but it's kind of good to know that I could literally be standing here two days later and have a property if I want. So good.   Naresh Vissa  53:42   Yeah. So as we end this call, next step, so I told you about new construction versus rehab. Are you? Are you interested in both, or leaning towards one or the other? Right now? Just    Brenda  53:54   probably the rehabs, because I think, like what you said, I like the idea of the E step into like, let me see how this process goes first before kind of committing a bigger chunk of capital to something larger. Yeah, I agree.   Naresh Vissa  54:06   Okay, so here's what I'm going to do as next steps. I'm going to send you a link to the webinar we did for our hottest rehab asset class right now, hottest rehab provider out of Memphis. It's the Memphis Burkey webinar. I went ahead and just emailed that to you. So watch that webinar. It will answer like every question imaginable regarding the provider, how they do their process, the properties, everything. So watch that webinar and then shoot me an email after you're done with the webinar on what you're thinking just you can watch webinar today and you want to shoot me an email right after, just let me know what you're thinking, and we can go from there. I think that's would be the next step. Just watch that webinar, and then we'll, we'll reconnect.   Brenda  54:54   Sounds good? Okay, I like that.   Naresh Vissa  54:57   Okay, very good. Well, I sent that link to you, and. And that's about it. If you have no more questions like I said, you can add my phone number to your phone book and feel free to reach out whatever you want.    Brenda  55:07   will do. Thank you so much.    Naresh Vissa  55:09   All right, thank you. It was great.   Keith Weinhold  55:11   Yeah,  I hope that you found that helpful in making America rich again. Namely, you. Of course, no two coaching calls are the same. Some GRE followers will perhaps have more questions than Brenda did. There. We are here to learn your situation. We know the mistakes you've got to avoid, and we can connect you with the best income property for you across the nation. We really filter it down to the best of the best, and besides being a truly free coaching call, we don't try to upsell you to a paid course or anything like that, because we don't even have any product to sell really. So even if you wanted to buy something from GRE, I don't know if you could, maybe unless you buy a GRE logo t shirt from our website or something like that. So keep all of your funds for the property down payment. As far as now, you can book a coaching call at GREmarketplace.com and select the free investment coaching area. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 3  56:21   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively,   Keith Weinhold  56:41   The preceding program was brought to you by your home for wealth, building, get rich, education.com