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How To Use Rental Properties To Secure Your Retirement

rental properties for retirement

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Zach Lemaster is Founder & CEO of Rent to Retirement, the largest turnkey real estate provider in the world: He is a seasoned real estate investor who 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 Lemaster, a real estate expert, knows that investing in property is no sprint, it’s a marathon. It’s a wealth strategy that shapes every aspect of his diversification in real estate, and influences how he builds up his portfolio over time. As he embarks on his lifelong journey towards financial success, he understands the importance of pacing oneself and taking the long view.

The mastermind behind the revolutionary ‘Rent to Retirement’ investment company, touted as the world’s largest turnkey real estate provider. With a keen eye for detail and a knack for uncovering the perfect resources, Zach guides individuals through every step of their unique investment journey, ensuring financial success for their future retirement.

In This Episode

  1. How it all started for Zach, current portfolio, and his wealth strategy.
  2. A walkthrough of Zach’s turnkey real estate company.
  3. Zach’s perspective on the current market.
  4. What contributed the most for Zach as a personal development.
  5. Zach’s piece of advice on how to accelerate wealth trajectory.

Jump to Links and Resources

Welcome to today’s episode of Wealth Strategy Secrets. We’re joined by Zach Lamaster, the founder and CEO of Rent to Retirement, the largest turnkey real estate provider in the world. Zach is a seasoned real estate investor with a substantial portfolio of rental properties across multiple markets, including single-family, multifamily, commercial, and new construction.

In addition to his real estate endeavors, Zach is a licensed optometrist who practices on a volunteer basis. He started investing in real estate while working as an optometrist and serving as a captain in the U.S. Air Force. This journey ultimately allowed him to retire early from his career in medicine and become a full-time investor by strategically focusing on markets that maximize cash flow, appreciation, and equity.

Zach, welcome to the show, and thank you for your service!

Likewise, coming from a former Marine, I appreciate that. I’m excited to be here. Thanks for having me.

Absolutely! And let’s do the audience a favor and keep the interservice jokes to a minimum today. But I truly appreciate your service. Supporting veterans is a significant cause for me and our community. I love what you’re doing. Why don’t we kick off by sharing more about your background in the Air Force and how you transitioned into the real estate space?

I’ll give you the cliff notes version to avoid taking too much time on this. As you mentioned in the intro, my background is in healthcare. My wife and I met at an optometry school in Portland, Oregon. I was on an Air Force scholarship to cover professional school, so I went into the Air Force immediately after graduation as a captain. I practiced optometry in the Air Force for seven years, and that’s when we started investing in real estate.

Once upon a time, we read Rich Dad Poor Dad, like many others, and that sparked our interest. I’ve always had an interest in real estate, but during my first year in the Air Force, I used my VA loan to buy a duplex. I house-hacked it, living in one half and renting out the other, which allowed me to see the benefits of real estate firsthand. That was our starting point.

That was about 15 years ago, and since then, every year, we’ve continued to invest in real estate. From that first duplex, we moved on to single-family homes and more small multifamily properties. Eventually, this journey allowed my wife and me to replace our active income as doctors and become full-time real estate investors. It didn’t happen overnight; it was a commitment that spanned many years.

We learned to invest strategically out of state and diversify across multiple markets to find better opportunities beyond our local market. This approach enabled us to scale our portfolio quickly. Developing our teams and systems across multiple markets took time, but ultimately, we were able to retire from our careers early and replace our income—something many people aspire to do.

Our success in real estate caught the attention of our friends, family, and colleagues, who would say, “Hey, we see the success you’re having. We want to invest with you, but we don’t have the time, energy, or experience. Can we give you money or invest with you? Or can you teach us how to invest strategically in real estate, especially in markets that might be too expensive locally or that offer better returns?” That need led to the creation of our company, Rent to Retirement, where we help investors purchase physical properties and build their portfolios.

Fast forward to today, about 10 years later, we’re now working across 11 different markets, primarily in the Midwest and Southeast. We offer turnkey products, which I’m sure we’ll discuss further. This approach provides an easy way for people to own real estate and scale their investments while diversifying across multiple markets. We handle everything for our clients, allowing them to reap all the financial benefits of property ownership. Last year, we acquired about 1,000 doors across those 11 markets, and we continue to grow our team. This is our passion!

That’s awesome, Zach. I find there’s a significant gap in the marketplace regarding financial education. Even 20 years ago, when I took the purple pill and read Rich Dad Poor Dad, it was a great conceptual framework, but the question remained: how do you make it work? I’ve been trying to figure that out over the past 20 years. 

It’s great that you were able to apply many of those lessons and take action, starting even during your active duty career. I try not to have regrets in life, but if there’s one area I wish I had doubled down on back then, it would be financial education—getting smarter rather than giving my resources to a financial advisor at the time.

That’s a common sentiment. When we interview people in business and real estate, the common consensus is that when we ask them what they would do differently, the answer is usually, “I wish I would have started sooner or been more aggressive early on.” We all can relate to that, right? The important thing to know is that real estate is a lifelong journey. Just because you haven’t invested yet or are looking to take your business to the next level, there’s no wrong time to start. Real estate is beautiful because it compounds over time. Having a strategic business plan around owning real estate means it’s never too late to begin. You learn and progress over time, and that’s one of the beautiful things about real estate.

“Real estate is a lifelong journey—start now, be strategic, and build wealth for generations.”

Zach, do you and your wife follow an overarching wealth strategy?

We have to put a disclaimer here—we’re biased toward real estate. It’s what we eat, breathe, and sleep; it’s what we know. I think it was Warren Buffett who said, “Invest in what you know.” We don’t invest outside of real estate. I don’t have a 401(k), and we don’t invest in stocks, mutual funds, or commodities. We are well diversified within real estate, both in asset class and location, but our focus remains solely on real estate.

Over time, we’ve evolved our strategy. In the beginning, it was all about growing our portfolio to cover our expenses, which allowed us some level of financial independence. From there, we continued to scale and invest out of state more strategically, ultimately replacing our active income. Eventually, we realized we could increase our lifestyle and continue to grow our income and net worth through real estate by being more intentional in our investing and creating generational wealth.

At this point, we have seven figures of passive income coming just from our real estate portfolio, separate from any business endeavors. This is something I never would have dreamed of 15 years ago, but it’s all about staying on that consistent path. Specifically, a lot of what we do now is investing in real estate for tax benefits. We’ve learned over the years how advantageous these tax benefits can be since we are active real estate professionals.

Our goal each year is to buy enough real estate to offset our active income entirely. Taxes are the biggest expense we all face in life, and if you can defer or ultimately avoid paying that money to Uncle Sam, you can reinvest those funds to generate compounding returns over time. This strategy has significantly accelerated our portfolio growth. Currently, a lot of what we buy personally is from commercial retail centers.

They’re low cap rates, but they represent long-term buy-and-hold investments where we can maximize tax benefits and reinvest the returns. In addition to that, we’re strategic about the locations in which we invest, which ties into our turnkey business model by identifying the best opportunities and building teams in those areas.

That’s such great insight, Zach. I find it interesting to consider the trajectory of growth in this space. Many of us who enter this game envision reaching a “pot at the end of the rainbow,” where we achieve financial independence—where our income exceeds our expenses. However, as we get closer to that goal, we don’t want to become trapped by our objectives. I refer to this phenomenon as “abundant complacency.”

Once you reach that level of financial independence, it can be easy to stop growing and stop pushing forward. You have to make growth a continuous process. Amazingly, you guys have achieved seven figures in passive income, but I wonder what that will look like in the next five to ten years as you continue to expand your footprint.

I have a term called Abundance Complacency. You have to continually make growth as a capability and a process that you’re always going.

A lot of people come into this thinking about retirement or wanting to escape a job they dislike, hoping to spend more time with family or on what matters. That’s the mindset many investors have when they start: “Let me get out of this job.” It’s important to recognize that it’s easy to buy yourself another job in real estate. There are risks involved, and we’ve gone through an emotional and mental evolution over time.

Initially, we focused on covering our expenses and generating active income. However, as we became more experienced investors, we learned to be more strategic. We successfully bought our time back and continued to make progress each year, but now we rely on a team to help support that growth. Building a team is crucial because investing in real estate is essentially running a business.

Our goal now is not only to expand but also to make our portfolio and business self-sustainable so that we don’t have to be involved in day-to-day operations while still actively growing. Real estate is a lifelong journey where there’s always something to learn. Over time, experienced investors can become more strategic and earn what we call “horizontal income,” where you’re earning money even while you’re sleeping. This is one of the beautiful aspects of real estate.

It’s also our passion to help others achieve similar success, which has become our reward. Now, instead of actively practicing optometry, we find fulfillment in helping people achieve passive income. We still love helping others see, and we do that on a volunteer basis. But our primary focus now is helping others create their paths to financial independence.

That’s a really important distinction, especially for those navigating this space. There’s a significant difference between active income and passive income. As you mentioned, it’s possible to buy yourself another job. The allure of real estate investing or the prospect of passive income can be so enticing that some people think it’s all they want to do.

However, the first consideration should be whether it aligns with your purpose. What is your true purpose? That’s what ultimately gives you freedom and excitement when you wake up each day. For folks like you and me, we live and breathe this—we enjoy the challenge, the puzzle, the game of chess that is capitalism at its best.

But if you’re good at a profession—like being an optometrist—and you love it, then passive investing might make more sense for you than taking the active route, which could lead to merely replacing your job. That’s what’s great about your business model with Build to Rent: you provide people with truly passive opportunities, allowing them to focus on what they excel at.

While you and I are all in on real estate, it’s important to recognize that it’s not the only path. There are countless ways to invest in real estate. Many gurus will teach you about flipping, wholesaling, and other methods, but those often just create additional jobs rather than true passive income. There’s nothing wrong with staying in your profession if that’s where your passion lies.

We have many investors who are engineers, doctors, attorneys, accountants, or blue-collar workers looking for an easy way to invest in real estate. They see it as a means of diversification or a way to take more control over their finances. This control is significant when it comes to physical assets like real estate because you’re not relying on the government, like with a 401(k), to dictate when and how you can access your money. You can structure it yourself.

Additionally, real estate is often referred to as the “ideal investment,” which is an acronym highlighting how you earn income through various means:

  • I for Income
  • D for Depreciation Tax Benefits
  • E for Equity Buildup as tenants pay down your loan
  • A for Appreciation
  • L for Leverage

Combining these factors allows you to accelerate your investing and return on investment much more quickly than with stocks or similar investments. There’s nothing wrong with continuing to work in your profession while investing in real estate. Many people realize they don’t want to become house flippers or wholesalers, as those can be demanding jobs, yet they still want the financial benefits of owning rental real estate. That’s where our business comes in, helping them invest strategically with established teams in various markets.

That’s a great segue, Zach. Let’s talk about your business model, as many people may not be familiar with how it works.

Sure! “Turnkey” is one of those buzzwords we hear often, but it can be vaguely defined. When we say “turnkey,” we refer to properties that have been fully renovated or newly built, leased, and professionally managed by our teams in markets we’ve identified as successful for investment. These markets have landlord-friendly legislation, low taxes, population, economic growth, and demand that allows for positive cash flow—something most investors want in their rental portfolios.

We’ve done the research and built teams in these markets, creating a streamlined product for our clients. When you buy a turnkey property, you’re owning the physical real estate, not investing in a fund or profit-sharing model. The idea is that it’s generally hands-off while providing the benefits of real estate ownership over time. We handle management and day-to-day operations, allowing you to scale and grow your portfolio.

We primarily focus on single-family and small multifamily properties. Additionally, our build-to-rent products present exceptional opportunities in today’s market, allowing you to enter brand-new houses with minimal maintenance and strong rental demand. You’ll likely have immediate equity that you can refinance or sell later. Our goal is to match these products with our investors’ objectives.

We prioritize getting on calls with every potential investor to discuss their goals, experience, timeline, and resources, helping to map out a strategic investing plan tailored to their criteria. This includes identifying target markets and asset classes and ensuring a comprehensive approach to building a real estate business. 

You need the right accountants and CPAs to take advantage of the exceptional tax benefits in real estate, as well as solid property management, insurance, and lending partners. We aim to build long-term relationships and provide a holistic approach to helping our clients build their passive income portfolios.

That’s great. Let me ask you this: if someone built up a small portfolio—maybe three to five units—through your turnkey model, could they qualify as a real estate professional?

Disclaimer: I’m not an attorney or CPA, so it’s always best to consult with them. However, there are different scenarios. Many people aspire to qualify as real estate professionals, especially if they’re still working their W-2 jobs. If you have a spouse who isn’t working full-time and can participate in the business, it can be easier to qualify.

To meet the requirements, you generally need to dedicate 750 hours to investing-related activities and show material participation in your portfolio—typically 500 hours a year. Once you have multiple rentals, especially if they’re diversified across locations, and even with a property manager in place, it’s possible to qualify as a real estate professional. This status can unlock significant tax benefits, such as offsetting active income with real estate losses and taking accelerated depreciation.

There is a likely scenario that even if you’re working in healthcare or another field, you can offset all of your active income. For example, if your spouse is a real estate professional, you can take accelerated depreciation losses against your active income. Our goal is to reduce our taxable liability significantly—ideally to zero—every single year just by buying enough real estate. That’s huge, right? That could be another 40% of our income that we can apply to actually investing and earning a return, which accelerates our progress. So that’s a long way of saying, yes, it is possible, Dave.

Absolutely. Reducing your taxes is massive, right? It could actually yield a higher return than the investment itself when you look at the big picture. This is why we like to emphasize having a comprehensive wealth strategy. It’s about understanding things from an end-to-end perspective and seeing how a change in one area can impact something downstream. It’s a really interesting strategy, Zach, and I know several investors in our mastermind community have successfully implemented this. Their spouses have qualified as real estate professionals.

But one thing that holds people back from becoming real estate professionals is the concept of active versus passive income. People often wonder, “Which market are we going to select?” Typically, they choose markets they live in or can drive to within an hour or two, which causes them to miss exposure to stronger markets. There’s also a lot of competition in the space.

If I were to go out and buy a property on my own, I’d be competing against someone like you, who has an entire professional team and has been doing this for the past 15 years. You understand all the assumptions, growth rates, and so on. It could be really interesting to consider a hybrid model that leverages your expertise. It’s kind of the “who, not how” principle. If you can identify the property and handle all the turnkey aspects—like managing tenants, termites, and toilets—then that alleviates a lot of the burden. However, if you have a bit of a portfolio, there will still be some overall management needed. I’m not a CPA, but I think it’s worth exploring this with your tax adviser; it could be a good strategy.

One thing we’ve found—and I love everything you just mentioned, Dave—is the term “tenants, termites, and toilets” as the “three T’s.” Looking back over the past 15 years of our investing career, what’s allowed us to get to where we are today hasn’t been anything complicated or extraordinary. We’ve done various creative financing, flips, wholesales, and more, but it all boils down to simply building a portfolio and owning real estate over time. Time does its work through appreciation, debt reduction, and leverage—especially in a high-inflation environment—while using appropriate investing strategies in real estate.

“Build wealth through simplicity: own real estate, let time work, and create passive income for life.”

It’s interesting because we often say that real estate investing isn’t a linear progression; it’s exponential. In the early years, growth might seem slow because you need to save up for down payments to buy more properties. You might also bring in a partner or use a HELOC to expedite things. These are all strategies we work with our investors on. Eventually, you reach a point—this is a common path many of our investors follow—where they own real estate for five or six years, allowing the tenant to pay down the loan while the property appreciates and rents increase.

After a few years, they have equity in the property, which enables them to potentially do a 1031 exchange and grow their portfolio two or three times without injecting more capital. It’s a cool moment when you see exponential growth where your real estate is effectively buying more real estate, creating a compounding effect. It’s amazing to see this develop over time. But that doesn’t mean it happens immediately; you have to stay the course.

Just owning, just investing and consistently doing that year after year is really going to excel you but it doesn’t happen overnight, you just gotta stay in the course.

I believe the slow and steady approach always wins. That’s what the top 1% are doing: buying cash-flowing, tax-advantaged assets, and just continuing to rinse and repeat. It compounds exponentially. So, Zach, can you walk us through an example? Also, talk about the financing—at what level do you get involved in that? Just give us a typical example.

We focus on B and A-class type assets, mainly single-family homes or small multifamily properties, typically two to four units. When we refer to B or A-class areas, we’re talking about areas with median home prices. These locations have the largest tenant pool—people who are market-rate tenants with sustainable incomes. This creates a predictable way to keep your house rent, which is important, while also balancing the ability to cash flow well on the property. Generally speaking, in the Midwest, the average home price for a B-class asset is around $150,000. Depending on where you live, a lot of people might say, “Well, that’s just a down payment on a house in my market.”

We have a lot of investors who are located in coastal areas where tax advantages and tenant laws may not be as favorable. Additionally, real estate in these areas tends to be very expensive, requiring a significant amount of capital to purchase a property that may or may not even generate positive cash flow. In contrast, they could take their money and acquire a whole portfolio using leverage in more affordable areas.

In the Midwest, for instance, a typical house might cost around $150,000. When considering new construction, particularly in the Southeast, such as Florida—which is one of our best markets—the cost could be around $300,000, with the property potentially appraised at $350,000. This creates immediate equity, and with a 20% down payment, the cash-on-cash return using conventional financing might range from 10% to 15%. For example, a $150,000 house could yield a cash flow of approximately $300 per month after covering all expenses and debt service.

When it comes to financing, we are flexible regarding the types of loans used. Our goal is to provide you with the tools you need based on your specific circumstances. If you qualify for conventional loans, you can hold up to ten properties under your name at any given time. These loans, such as Fannie Mae and Freddie Mac options, typically require a 20% down payment for single-family homes or 25% for multifamily properties on a 30-year fixed loan.

We have lenders licensed in all these states, making various financing options available to you. If you are self-employed or prefer not to pursue conventional routes, we offer non-conventional, portfolio, or non-QM loans, such as asset-based lending and DSCR (Debt Service Coverage Ratio) loans. These types of loans focus on the property itself and its cash flow, minimizing the impact on your credit score.

Additionally, we work with clients who invest through self-directed IRAs or solo 401(k)s using non-recourse loans, as well as international investors who also have financing options available to them. Most people tend to opt for conventional financing, but we aim to offer as many lending resources as possible based on your unique situation.

Do you facilitate discussions with lenders? That means you can create asset-based loans that consider the value of the asset and its cash flow, allowing us to operate without affecting personal credit scores.

That’s an important aspect, especially when we help clients build a comprehensive business plan. We collaborate with real estate-specific attorneys and CPAs to determine the most appropriate legal structure for holding the asset. It’s crucial to have a CPA familiar with managing rental portfolios that may be located in different states to ensure proper tax treatment and maximize benefits like depreciation.

Our goal is to provide our clients with all the resources they need to succeed, along with properties that are either fully rehabbed or newly constructed and managed by our teams in these markets.

Could you share your perspective on the current market? With rising interest rates and inflation, have any dynamics shifted in your model, the markets you target, or your underwriting processes?

We could probably spend an entire day discussing all these different aspects, but the market is always dynamic and ever-changing. In the past few years, many investors became too comfortable with historic low interest rates, which we likely won’t see again. It’s important to understand that those rates were not the norm.

Our investing criteria remain consistent. We focus on the fundamentals of real estate, looking for areas with a path of progress—places where new jobs are being created, where there’s a diversity of industries, and where rental growth and appreciation are occurring.

Currently, the market is interesting because, due to supply and demand factors, many individuals who purchased properties or refinanced into low-interest loans are not selling their homes unless absolutely necessary. Consequently, these homeowners are holding onto their loans, leading to limited inventory on the market. While buyer activity has slowed, there is still extreme demand.

A lot of the markets we focus on are areas that consistently experience population growth. For instance, Florida, which we discussed about new construction, had the highest percentage growth last year of any state. While Texas had higher absolute numbers, Florida appears to be a better location for cash flow due to its lower taxes. We are particularly interested in areas that are still on the path of progress.

Yes, interest rates are higher, and that is something to factor in. But, if you’re looking at a property that may cash flow around $300, and now with a higher interest rate, let’s say it’s 2.50, that’s manageable. It’s important to recognize that you’re investing in an area that could see a rental increase of 10 to 12 percent year after year. Even if your cash flow is slim in the first year, the rental increases should dramatically improve over time, while your loan payment remains fixed. Additionally, the property appreciates, and you can take advantage of tax benefits associated with it.

If interest rates drop to a level that makes refinancing advantageous, you can increase your cash flow then as well. Despite recent slowdowns in inventory availability and investor activity, the market remains strong. The 2017 tax act and cost segregation studies have made tax benefits even more significant, and we continue to see robust buyer activity.

People still have capital to invest, and in the markets we target—those on the path of progress—there’s still high demand. Although the market has slowed somewhat, there is still a lot happening, with strong demand for both rentals and resales. Being strategic and intentional about your investment locations is crucial in today’s market. We’re witnessing a mass exodus from the West Coast for various reasons, including the cost of living, political factors, and tax structures. Thus, investing in emerging areas is extremely important.

Returning to the fundamentals, you should seek properties that provide positive cash flow, and your underwriting should reflect an area with increasing demand over time. If you focus on these principles, you can’t go wrong. 

Zach, you’ve accomplished so much—your Air Force background, becoming an optometrist and now building a real estate empire. From a personal development perspective, what do you think has contributed the most to your success?

We’ve always remained consistent. I mentioned this earlier, but every year since we purchased our first duplex, our goal has been to acquire more real estate, whether that means increasing the number of doors or expanding our overall portfolio. So far, we’ve remained true to that goal, and this year is no different.

Staying consistent has been a challenge. There are all sorts of obstacles that arise when growing a portfolio. However, you don’t have to make real estate investing a full-time endeavor. Whether your goal is to acquire 10 or 20 houses or to generate $3,000 in passive income, it’s a dynamic process filled with obstacles.

One key to our success has been our ability to be creative problem solvers. Owning physical real estate comes with tenant issues, even if you opt for turnkey properties, although management teams can help address those concerns. You must understand that problems will arise, and it’s essential not to lose sleep over them. Keeping focused on the end goal is critical.

Our passion for real estate and helping others achieve their goals drives us. I think this stems from a bit of bedside manner from my healthcare background. It’s important to us; it’s what keeps us going. We don’t have to work in this business, but we enjoy it because we love seeing results.

Many of our clients purchase turnkey properties, and it’s important to understand who turnkey is right for. We see a broad spectrum of clients, from newer investors who need guidance as they invest for the first time to seasoned professionals who want to invest in real estate without the time commitment.

Some are active real estate investors engaged in flips and large businesses who may seek additional properties for tax benefits, enabling them to buy and hold real estate for the long term. Ultimately, it depends on your goals. Helping people achieve their objectives and witnessing their progress is incredibly rewarding and motivating for us.

We’ve had many clients who began with turnkey real estate, learned the ropes, and gained valuable insights on market evaluation, team building, and proper management. And then they go on to do their own thing and build large portfolios. It’s cool to see them come back ten years later and say, “Hey, you guys gave me the framework to do this.” That has been rewarding for us over time and continues to motivate us.

There’s such a gap when it comes to people being interested in getting into this asset class, yet there are so many factors holding them back. Many are limited by time due to raising families or working a W-2 job. They wonder, “How do I get into this asset class?” As I mentioned earlier, there’s a lot of competition, and many feel restricted by the market. You certainly don’t want to spend your time dealing with tenants, termites, and toilets.

That’s where leveraging your model comes in. I like your acronym for this. Getting leverage isn’t just about securing bank debt in real estate; it also includes leveraging people. By working with Zach and his team, you benefit from all their years of experience and the turnkey model they offer. 

I couldn’t agree more.

Zach, if you could give listeners one piece of advice on how they could accelerate their wealth trajectory, what would it be?

If you’re a newer investor who hasn’t taken action yet—if you’re reading books and listening to podcasts like this and educating yourself—fantastic! But you can only do that for so long. The best knowledge comes from firsthand experience. That doesn’t mean you need to be changing toilets or acting as a property manager; your time is better spent building your business rather than working in it. The key is to take action, however, that looks for you, and to stay consistent with it. That’s been the number one factor in our success.

We’ve lost money in real estate through various ventures, but the important thing is that we’ve been able to invest, learn, and continually apply what we’ve learned to grow. For a new investor, it’s crucial to take action. Set a timeline: if you haven’t bought your first property yet, aim to do it within the next 90 days. If you have the financial capability, nothing should be stopping you.

Build out your criteria, but be aware that goals and criteria can change over time. Just buy something to get in and learn from it. If you’re an investor with an existing portfolio or looking to grow, consider exploring other markets. Your local area may not be the best strategic market for investment. Be open to learning about different locations, and if you need help, our team is here to assist you. That’s our mission.

Diversification is key, and I understand that investing out of state can feel daunting. However, if you work with an established team, diversifying outside of your local market has been crucial for our accelerated success. It’s about broadening your perspective beyond your local area. Zach, I appreciate your time today and the valuable insights you’ve shared with the audience. If people want to learn more about you and what’s going on at Rent to Retirement, what’s the best way for them to reach out?

The best place to start is our website at RentToRetirement.com. They can also call our 800 number at 800-311-6781. I recommend starting with the website, where we have a lot of market data showing what’s happening globally as well as in the specific markets we focus on. We publish a lot of educational content through blogs, podcasts, and YouTube videos.

We’re here to educate people on all things real estate, regardless of whether they invest with us. We’re passionate about real estate and love sharing that knowledge. The website also includes links to all our social media, and you can schedule an appointment with our team.

We don’t charge anything to work with our team; we make our money through the sale of properties and the rehabbing or building process. So, there’s no cost to clients for our services. We always start with an introductory call with an investment strategist to discuss the markets. Even if you’re just interested in where the market stands today, we’re happy to spend that time with you. You can find all that information at RentToRetirement.com.

Awesome. Thanks again, Zach. I appreciate it.

Dave, it’s been a pleasure. Thank you!

You bet. Until next time!

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