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Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!

In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.

After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.

In this episode, we break down:

• How he increased his buying power in 7 months

• Why San Antonio’s fundamentals (military presence, population growth, diversified workforce) made sense

• How builder incentives helped secure a 5.75% interest rate

• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)

• How he structured his down payment using a HELOC, life insurance, and reserves

• Why he chose 25% down to reduce risk

• How he closed in just 2.5 weeks

• His plan to scale into Katy, TX and potentially Florida

Cleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.

If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today’s market.

⏱ Accurate Episode Timestamps

00:00 – Introduction & Cleveland’s Investor Background

01:14 – Initial $150K Pre-Approval & Improving Ratios

02:18 – San Antonio Inventory Opportunity

03:16 – First Investment in 20 Years

04:19 – Tenant in Place + Two-Year Lease

05:18 – Closing in 2.5 Weeks

08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)

09:57 – 5.75% Interest Rate & Builder Incentives

12:26 – Market Fundamentals & Risk Mitigation

15:33 – Scaling Strategy: Texas & Florida Diversification

20:01 – Advice to Investors: Take Action

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