From Anesthesiologist to 7 Rentals in 2 Years: Matei Chelbegean on Subto, MTRs & Co-Living Cashflow

How do you go from saving lives in the OR to building a 7-property real estate portfolio? 💥In this Dream Start Own episode, host Edgar “The Connector” Salgado sits down with Matei Chelbegean, a nurse anesthesiologist turned real estate investor, who’s mastered the balance between a full-time medical career and building long-term wealth through Subto creative finance, mid-term rentals, and co-living properties.Matei shares how he went from being a W-2 employee to a 1099 entrepreneur, using his income to fund assets, create depreciation advantages, and ultimately design a path toward financial freedom and impact — all while running “House Money with Matei,” his YouTube show teaching borrowers how to talk to private lenders.What you’ll learn:How Matei went from healthcare to owning 7 properties in 2 yearsWhy Subto creative finance changed his investing gameManaging mid-term rentals (MTR) and co-living for consistent cash flowHow to balance a full-time W-2/1099 job with real estate growthThe truth about depreciation, taxes, and cash flow strategiesBuilding teams, finding managers, and scaling responsiblyMatei’s “Mount Everest” — replacing income to fund global medical aid missions⏱ Chapters00:00 - Preview01:00 - From Romania to Fresno: first-generation journey02:05 - Nursing, anesthesia & 1099 independence04:00 - W-2 vs 1099: the tax advantage mindset06:00 - Early money lessons & family expectations10:00 - Work-life balance with his wife (also in healthcare)13:00 - Love story & med school grind17:00 - First Subto deal gone wrong (turned right)22:00 - Depreciation, taxes & how real estate saves income25:00 - The California strategy: buy & hold for appreciation28:00 - Shifting into mid-term rentals & MTR management35:00 - Finding the right “who” for your deals40:00 - Expanding to Ohio, Michigan & Kentucky co-living45:00 - Building AI systems for property management50:00 - Giving back: surgical missions & global impact52:00 - Work With Me52:59 - Find Me📲 Connect with Matei Chelbegean:📸 instagram.com/matei.chelbegean► youtube.com/@HouseMoneyWithMatei👉 Don’t forget to 👍like, 💬comment, 🔔subscribe, and share if Matei's story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from Pace ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People's Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, or financial advice and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.