This episode is sponsored by…

NCH:
Set up an LLC to protect your investments! – https://nchinc.com/rtr

HEMLANE:

Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/

Unlock MASSIVE tax savings in 2025! 🧾💰 In this must-watch episode of the Rent To Retirement Podcast, hosts Zach Lemaster and Adam Schroeder sit down with top real estate CPAs Amanda Han and Matt MacFarland from Keystone CPA to break down the latest strategies, loopholes, and legal hacks to minimize your tax burden and maximize wealth as a real estate investor.

Whether you're a seasoned investor or just getting started, this episode is packed with actionable insights to help you legally KEEP MORE OF YOUR MONEY in 2025 and beyond.

⏱️ Timestamps – Full Breakdown:

TAX STRATEGY & EDUCATION (w/ Amanda & Matt from Keystone CPA)

00:00 – Intro: Why tax strategy is critical for investors

01:07 – Hidden deductions most investors miss

03:06 – Write-offs WITHOUT an LLC

03:44 – Depreciation: Your biggest tax-saving tool

05:47 – Rental losses: What they are and how they help

06:14 – The $25K rule: Offset other income if you make under $150K

08:10 – RE Pro status: How to qualify (750 hrs + participation)

11:21 – Case study: $150K depreciation from $500K building

12:08 – STR loophole: Powerful tax savings without RE Pro

13:12 – 3 ways to qualify for STR material participation

14:17 – Who should be using STRs for tax strategy

15:29 – When to buy for STR benefits (and how to track hours)

17:12 – Audit triggers: What actually causes IRS audits

18:12 – CPA red flags: If they don’t understand RE strategy

19:11 – 2025 tax law changes & what’s expiring

20:43 – Will 100% bonus depreciation come back?

23:22 – Bonus depreciation can exceed your down payment

24:25 – Real example: Offset $100K income with rental loss

26:01 – What happens if IRS challenges RE Pro status?

28:14 – Audit outcome: What you owe, what carries forward

30:00 – Why it's still worth pursuing these strategies

32:02 – STR loophole: Is there a minimum hour rule?

33:44 – Pro tips on STR management year over year

34:03 – How to contact Amanda & Matt (Keystone CPA)

TURNKEY INVESTING STRATEGY & DEAL BREAKDOWNS (w/ Zach & Adam)

35:15 – How to apply tax savings to real-world deals

36:15 – What is Rent To Retirement & how we help

38:00 – 6–10% incentives: Price cuts, cash back, rate buydowns

39:12 – Example: Buy a $300K home with $30K in incentives

40:45 – Buy with as little as 5% down using local lenders

42:00 – Pair tax savings + incentives = infinite ROI

43:05 – Market spotlight: Cambridge, MN (fast population growth)

45:24 – Banbury model: Appreciation + rent potential

47:02 – Tulsa duplexes: $800+ cash flow w/ 15% ROI

50:10 – Why owner-occupied areas matter for long-term gains

51:30 – Cost seg studies: When and how to apply them

54:08 – Using passive losses for Roth conversions

56:00 – Strategic planning with your CPA (and when to do it)

57:15 – How to schedule your free investor consultation

59:30 – Final takeaways: Invest smarter, save bigger

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