EPISODE · Feb 25, 2026 · 23 MIN
$87K Equity in 5 Months? Inside a San Antonio Turnkey Rental Deal
from Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing · host Rent To Retirement
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/ 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 FloridaCleveland 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 Timestamps00:00 – Introduction & Cleveland’s Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action📧 Got a question or story to share?Email us at: [email protected]👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: [email protected]Your question might be answered in a future episode!#RealEstateInvesting #TurnkeyRealEstate #PassiveIncome #RentalProperties #SanAntonioRealEstate #BuyAndHold #CashFlowInvesting #RentToRetirement #WealthBuilding #RealEstatePodcast
What this episode covers
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/ 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 FloridaCleveland 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 Timestamps00:00 – Introduction & Cleveland’s Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action📧 Got a question or story to share?Email us at: [email protected]👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: [email protected]Your question might be answered in a future episode!#RealEstateInvesting #TurnkeyRealEstate #PassiveIncome #RentalProperties #SanAntonioRealEstate #BuyAndHold #CashFlowInvesting #RentToRetirement #WealthBuilding #RealEstatePodcast
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$87K Equity in 5 Months? Inside a San Antonio Turnkey Rental Deal
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