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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