• How to Turn $0 Into an Airbnb Portfolio
    Dec 11 2025
    Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR’s preferred lenders athttps://bluprinthomeloans.com/renttoretirement/BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner.https://bamcapital.com/rtr/In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with real-estate investor and full-time firefighter Karl, who shares a remarkable journey shaped by life-changing events, disciplined action, and the pursuit of financial freedom. His story is a powerful roadmap for anyone balancing a W-2 job while building a real estate portfolio.Karl reveals how he:• Turned a triplex into a profitable mid-term rental• Scaled into Airbnb using systems, cleaners, and automation• Leveraged bonus depreciation to offset W-2 income• Built a deal pipeline through consistent networking• Navigated a difficult syndication loss—and what every investor must learn from it• Closed a fix-and-flip using none of his own money• Plans to grow into boutique hotel investingWhether you’re a new investor, a W-2 earner seeking financial independence, or someone considering short- or mid-term rentals, Karl provides actionable insight, transparency, and motivation to take the next step.⏱️ TIMESTAMPS00:00 – Introduction to Karl & his investing journey00:39 – Karl's first deal: Triplex → MTR opportunity 01:57 – The life-changing event that shaped his “why” 03:34 – Becoming a firefighter & treating real estate as a side hustle 05:16 – Closing multiple deals & using real estate as a safety net07:15 – How STR owners can deduct against W-2 income with bonus depreciation08:31 – Mid-term vs short-term rentals & building systems for automation10:06 – Cleaners, maintenance teams & messaging automation tips11:49 – Pivoting into Airbnb & how professional design doubled bookings13:56 – Increasing ADR & turning $1,000–$1,200 rents into $2,300–$3,000/mo18:33 – Karl’s syndication experience: vacancies, management issues & loss22:20 – Risks of syndications vs owning real estate directly27:17 – How to analyze deals without paralysis30:22 – Advice for W-2 workers getting started31:43 – Building skills, using mornings, and finding mentors33:21 – The value of networking & how it led to funding a deal overnight38:02 – Karl’s 2025–2026 market outlook39:31 – What’s next: Boutique hotels & scaling STR operations40:55 – Closing thoughts & how to share your story on the podcast🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1..⁠.🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh..⁠.📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #PassiveIncome #RentToRetirement #AirbnbInvesting #ShortTermRental #MidTermRental #FinancialFreedom #W2Investor
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    41 mins
  • How to Use Institutional Investing Strategies In Your Own Investing
    Dec 4 2025
    Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR’s preferred lenders at https://bluprinthomeloans.com/renttoretirement/BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner. https://bamcapital.com/rtr/Want to invest like the pros? In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder sit down with Brad Bell, VP of Acquisitions at Roofstock, to unpack how large institutional investors choose markets, analyze deals, manage properties at scale, and adapt to changing economic cycles. Brad shares his own journey into investing, the differences between “mom & pop” investors and billion-dollar funds, the real reasons build-to-rent exploded, what metrics institutions use to select markets, and his personal top picks for long-term growth.He also explains how Roofstock’s platform simplifies property management, data analysis, and acquisition for investors of all sizes. If you want to invest smarter, reduce risk, and understand how the world’s largest investors allocate capital, this is the episode for you.🕒 Timestamps00:00 — Intro: Adam welcomes Brad Bell of Roofstock 00:39 — Brad’s first step into investing & why he chose real estate 02:49 — Working with institutions vs individual investors05:35 — What institutions actually look for in acquisitions (population, employment, yields) 07:40 — Asset-level metrics: crime, school scores, path-of-growth 09:37 — Spotting markets without population growth but strong appreciation (Miami example) 14:57 — How Fed policy influences SFR investor movements19:03 — Why institutions shifted heavy into Build-to-Rent22:59 — How institutional portfolios are actually managed (including Roofstock’s 20,000+ homes via Mynd) 25:15 — Do institutional buyers raise rents? Brad breaks myths 29:36 — Brad’s top markets he would personally buy in today • San Antonio • Dallas-Fort Worth • Florida (risk-adjusted) • Alabama, Georgia, Tennessee • Appalachian corridor 38:21 — Roofstock tools, neighborhood scoring, and investing frameworks 42:22 — Why higher-quality homes deliver better long-term returns 42:44 — Closing thoughts and where to find Brad🔑 Key InsightsInstitutional investors model properties far differently than mom-and-pop buyersMarket selection is based on growth trends, yields, and long-term migrationBuild-to-rent projects are now institutional core strategyHigh-quality neighborhoods outperform low-rent “cheap” properties over timeRoofstock & Mynd provide data-driven property acquisition and management at scale🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ ⁠https://bit.ly/3EE6KjZ⁠📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1..⁠.🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh..⁠.📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #Roofstock #BuildToRent #InstitutionalInvesting #TurnkeyRealEstate #CashFlowProperties #PassiveIncome #RentalProperties #SingleFamilyInvesting #RealEstatePodcast #RentToRetirement
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    43 mins
  • Fractional Real Estate 101: The Future of Vacation Home Investing
    Nov 27 2025
    This episode is sponsored by…⁠BLUPRINT HOME LOANS:Get pre-approved with one of RTR’s preferred lenders at ⁠https://bluprinthomeloans.com/renttoretirement/⁠BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner. https://bamcapital.com/rtr/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 about owning a vacation home…but not using it enough to justify the cost?In this episode, Adam Schroeder sits down with Tom Mulholland, Senior Director of Strategic Initiatives at Pacaso, to break down the real world of fractional real estate ownership.You’ll learn how fractional ownership differs from timeshares, how financing works, why this model is growing fast, and what risks investors should consider before diving in.If you're curious about co-ownership, vacation home investing, Regulation A raises, or the future of fractionalized assets—this episode gives you the full picture.⏱️ Timestamps00:00 – Intro with Adam Schroeder00:22 – Meet Tom Mulholland from Pacaso00:56 – Why fractional ownership is solving major vacation-home problems01:49 – Vacant homes & underutilized vacation properties explained03:03 – How Pacaso’s founders built the co-ownership model03:36 – Vacation homes vs timeshares: key differences04:25 – What makes fractional ownership actual asset ownership06:50 – Why fractional real estate is rapidly expanding07:55 – The “why” behind investors choosing fractionalization09:07 – Risks, due diligence & dispute systems10:44 – Pacaso’s 17,000-investor Regulation A raise12:50 – Democratizing ownership in private companies14:16 – Luxury home pricing & buyer structure15:52 – How financing works for co-owners17:25 – Why owners cannot short-term rent their shares18:55 – Maintenance, repairs, and responsibility20:08 – How selling your fractional stake works21:47 – Updates, renovations, and owner voting24:02 – Pacaso’s vision for the future of real estate25:25 – How to learn more + RTR closing message🔥 Why This Episode Matters✔ Learn how fractional ownership REALLY works✔ Understand how Pacaso removes friction around financing, scheduling & maintenance✔ Discover the booming Regulation A model that attracted 17,000+ investors✔ See why luxury vacation homes can now be accessed at a fraction of the cost✔ Learn the dangers, disputes, exit strategies, and protections you MUST know🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#FractionalRealEstate #Pacaso #RealEstateInvesting #TurnkeyRealEstate #VacationHomes #TimeshareAlternative #WealthBuilding #Investing2025 #RealEstatePodcast #PassiveIncome #RentToRetirement
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    26 mins
  • The Real Estate Pro Who Paid Nothing for His Texas Rental!? | Investor Story
    Nov 18 2025

    ⁠Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academy

    https://landing.renttoretirement.com/evg-masterclass-replay

    This episode is sponsored by…

    BLUPRINT HOME LOANS:

    Get pre-approved with one of RTR’s preferred lenders at

    https://bluprinthomeloans.com/renttoretirement/

    PROPER INSURANCE:

    Protect your short-term rental with the industry’s most complete, full-replacement insurance solution: ⁠https://www.properinsurance.com/rtrIn today’s episode, Adam Schroeder sits down with investor Adam (yes—two Adams!) to break down how he scaled from managing short-term rentals to leveraging builder incentives, cost segregation, interest-only loans, and cash-out refinances to rapidly grow his portfolio.

    Adam explains how he transitioned from self-managing STRs in New York and the Jersey Shore to acquiring a new-build long-term rental in San Antonio, Texas, using a powerful 12% builder incentive that dramatically lowered his out-of-pocket cost and boosted his tax savings.

    If you’re looking for real, actionable investing insights directly from an investor who’s doing the work, this episode is packed with value.⏱️ TIMESTAMPS

    00:00 – Welcome with host Adam Schroeder
    00:20 – How Adam first got started in real estate
    00:36 – Early rentals, STRs, and 1031 exchanges
    01:23 – Trading a problematic vacation rental into better assets
    02:03 – Using the STR loophole + qualifying as a Real Estate Professional
    02:55 – Why he added a long-term rental this year
    03:31 – How he discovered Rent To Retirement
    04:22 – Why he won’t invest in long-term rentals in New York
    06:15 – Why Texas—and specifically San Antonio—made sense
    07:19 – Breaking down the 12% builder incentive
    08:39 – Why he chose an interest-only DSCR loan
    10:01 – STR management vs. passive LTR strategy
    11:25 – What the buying process was like with RTR
    13:28 – Inspection, build quality & warranty experience
    15:35 – Cost segregation tax benefits
    16:52 – How he effectively got into the deal for almost zero net capital
    18:10 – Cash-out refi strategy on his commercial building
    19:55 – Pulling $200K tax-free and reinvesting
    21:18 – Compounding wealth through refinancing
    23:03 – Why local lenders matter for specialty properties
    24:51 – Investing confidently even with higher interest rates
    26:08 – Message to investors waiting on the sidelines
    27:48 – Advice for first-time RTR listeners
    28:15 – How to get started with Rent To Retirement

    🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #PassiveIncome #TurnkeyRealEstate #ShortTermRental #LongTermRental #TexasRealEstate #SanAntonioRealEstate #DSCRLoan #CostSegregation #RealEstateProfessional #CashOutRefi #RentToRetirement #RentalProperties #FinancialFreedom #WealthBuilding

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    30 mins
  • The CPA’s Guide to Smarter Real Estate Investing | Maximize Returns & Minimize Tax Burden
    Nov 10 2025
    Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/...This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR’s preferred lenders at https://bluprinthomeloans.com/renttor...PROPER INSURANCE:Protect your short-term rental with the industry’s most complete, full-replacement insurance solution: ⁠https://www.properinsurance.com/rtrNCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrDiscover how the wealthy legally eliminate their tax bills through real estate investing.In this episode, hosts Adam Schroeder and Zach Lemaster sit down with Jason Melilo, CEO of K B K G and former CEO of a Top 100 CPA Firm, to unpack the tax strategies every investor should know — from cost segregation and bonus depreciation to qualifying as a real estate professional and using short-term rentals for massive deductions.Jason reveals how he helps investors save thousands in taxes while building long-term wealth — and even shares how you can get a 10% discount on cost-seg software using code RTR 2025 at https://www.kbkg.com/ .💡 Timestamps00:00 Intro – Meet Jason Melilo, CPA & Investor01:00 Jason’s first real-estate deal & lesson in cash flow03:00 How depreciation shelters income05:20 What real “tax planning” means for investors07:40 Cost segregation & bonus depreciation explained09:50 Real-life example: turning $250K income → $0 taxable13:00 Who qualifies as a real-estate professional16:00 Short-term rental strategy to offset W-2 income19:30 How to document your hours for IRS proof22:45 Planning tax benefits before you buy25:00 Cost seg on existing properties (“catch-up” depreciation)27:00 Pros & cons of cost segregation & recapture rules30:00 New 2025 tax law: 100% bonus depreciation returns32:00 Final tips + discount for RTR listeners🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://meetings.hubspot.com/scott-lu...🏠Available Inventory Sheet: ⁠https://docs.google.com/spreadsheets/...📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #TaxStrategy #PassiveIncome #CostSegregation #BonusDepreciation #RentToRetirement
    Show more Show less
    33 mins
  • $30K+ buyer incentives ends 11/14 Act now to secure 2025 tax deductions & HUGE RTR buyer incentives!
    Nov 7 2025

    It’s crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement’s biggest end-of-year incentives ever! 🎉

    Join hosts Adam Schroeder and Zach Lemaster as they break down how investors can save tens of thousands of dollars on brand-new construction properties — and leverage powerful tax strategies before 2025 begins.

    In this special episode, Zach explains how Rent To Retirement negotiates exclusive below-market prices with national builders like D.R. Horton, Lennar, and LGI Homes, giving investors access to 10% buyer incentives, cash-back opportunities, and rate buy-downs into the 3% range.

    If you’ve been waiting to invest, this is your sign to act. ⏳ These deals — and their tax advantages — disappear November 14th at 5PM PST!


    ⏱️ Timestamps:
    00:00 – Intro: Why Year-End Matters for Investors
    01:14 – Exclusive Builder Incentives Explained
    03:30 – Deadline: One Week Left to Claim Your Savings
    04:52 – How the 10% Incentive Works (Real Numbers)
    06:26 – Bonus Depreciation & Cost Segregation Benefits
    08:35 – Real Example: Dallas, TX Property Walkthrough
    10:12 – Cash Flow & ROI Breakdown
    12:34 – Houston & Katy, TX Growth Markets
    15:10 – Alabama Opportunities (5% Down Option)
    17:21 – Why New Construction Wins in 2025
    18:56 – Cost Segregation, REP Status & Tax Banking
    19:52 – Final Call: How to Secure Your Incentives

    🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://meetings.hubspot.com/scott-lundgren/initial-call-with-rent-to-retirement

    🏠Available Inventory Sheet: https://docs.google.com/spreadsheets/d/1t5B3rIeyUUngFT2H3osl4JVELQsyxZy1rz9XJGU-hJo/edit?gid=1182675960#gid=1182675960


    🏦Reduce Your 2025 Tax Bill Using Real Estate!https://youtu.be/8I2hy6Nuqyg?si=2Xrt4IRE8tGmkfnT📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com#RealEstateInvesting #PassiveIncome #TurnkeyProperties #TaxStrategies #EndOfYearIncentives #BonusDepreciation #CostSegregation #FinancialFreedom #InvestInRealEstate #RentToRetirement #ZachLemaster #AdamSchroeder #CashFlowInvesting #2025TaxPlanning #RealEstatePodcast

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    21 mins
  • Reduce Your 2025 Tax Bill Using Real Estate! Part 2
    Nov 3 2025

    Want to cut your 2025 tax bill and grow your real estate portfolio at the same time?
    In this powerful episode, hosts Zach Lemaster and Adam Schroeder reveal real-world strategies to legally reduce taxes through cost segregation, bonus depreciation, and builder incentives — all before year-end.

    They’re joined by Amanda Han & Matt MacFarland (Keystone CPA) and Jeff Welgan (Bluprint Home Loans) to share how smart investors are stacking creative financing, tax deductions, and new construction deals to maximize ROI while preparing for the 2026 tax changes.

    If you’ve been waiting for the right moment to invest — this is it.

    ⏱️ TIMESTAMPS

    00:00 – Introduction & 2025 real estate outlook
    01:30 – Why Q4 is the most strategic time for investors
    03:00 – Builder incentives: how to get $25K–$50K back on new builds
    05:10 – Using 5% down loans to scale your portfolio faster
    08:00 – Cost segregation 101: turn $300K homes into $90K tax write-offs
    10:40 – Combining tax strategies for “free real estate”
    13:00 – IRS-approved tax breaks and why they exist
    15:20 – Market highlights: San Antonio, Conroe, and Alabama
    20:00 – Lending insights with Jeff Welgan (Bluprint Home Loans)
    28:00 – DSCR loans, credit scores & qualification tips
    33:00 – Real estate professional status vs short-term loophole
    39:00 – Why you must own and place your property in service before year-end
    48:00 – Final takeaways: how to act fast and save big in 2025

    🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com

    #RealEstateInvesting #TaxStrategy #CostSegregation #BonusDepreciation #PassiveIncome #TurnkeyInvesting #BuilderIncentives #DSCRLoans #BluprintHomeLoans #KeystoneCPA #RentToRetirement #FinancialFreedom #WealthBuilding #RealEstatePodcast #Investing2025

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    53 mins
  • Reduce Your 2025 Tax Bill Using Real Estate! Part 1
    Oct 30 2025

    Are you ready to make 2025 your most profitable investing year yet? In this episode of the Rent To Retirement Podcast, hosts Zach Lemaster and Adam Schroeder sit down with Amanda Han & Matt MacFarland from Keystone CPA and lending expert Jeff Welgan from Bluprint Home Loans to break down game-changing tax and lending strategies every investor needs to know.

    Learn how to legally minimize your tax bill, supercharge your cash flow, and build long-term wealth using 100% bonus depreciation, real estate professional status, short-term rental loopholes, and creative loan structures available only through Rent To Retirement partners.

    ⏱️ Episode Highlights:
    00:00 – Intro: Why tax strategy is key to wealth growth
    01:00 – The “One Big Beautiful Bill”: 2025 tax changes every investor must know
    04:30 – 100% Bonus Depreciation is BACK – how to use it before year-end
    08:00 – The $25,000 rental loss rule explained
    10:40 – Real Estate Professional Status: Who qualifies & how to leverage it
    13:20 – The Short-Term Rental Loophole (no REP status required!)
    17:00 – Paying your kids legally to reduce taxes
    19:20 – Avoiding common tax mistakes investors make
    23:30 – Jeff Welgan on Bluprint Home Loans: New programs & 4.5%–5.5% rates
    27:00 – DSCR Loans explained: Qualify based on rent, not income
    31:30 – The 30-year fixed + 10-year interest-only loan strategy
    36:00 – When to hire a CPA & build your investing team
    43:00 – Year-end deadlines & how to make your next property purchase count🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ https://bit.ly/3EE6KjZ⁠⁠⁠📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC_h1...🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/sh...📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠https://renttoretirement.com⁠⁠⁠⁠⁠📧 Questions? Email us: podcast@renttoretirement.com

    #RealEstateInvesting #TaxStrategies #BonusDepreciation #KeystoneCPA #BluprintHomeLoans #RentToRetirement #DSCRLoans #FinancialFreedom #PassiveIncome #RealEstatePodcast #TaxPlanning2025 #1031Exchange #CostSegregation #RealEstateProfessionalStatus


    Show more Show less
    53 mins