Rental Income Podcast With Dan Lane

On this episode, I’m joined by Jeremy Smith, an investor who proves you don’t need hundreds or thousands of rental properties to be successful. Jeremy owns just a few rentals, but they generate enough monthly cash flow to cover all of his living expenses.

Jeremy still works a full-time job, but his rentals give him a powerful safety net. If his income dips in a slow month or an unexpected expense pops up, the extra cash flow from his properties helps absorb the hit and keeps stress low.

We talk about why Jeremy focuses on low-maintenance, high-quality properties instead of chasing scale, and how that approach has allowed him to keep things simple. He shares how he paid off his rentals, how long it took, and why minimizing personal overhead has been just as important as optimizing his investments.

We also discuss the constant temptation of lifestyle inflation and how he works to keep it in check.

Jeremy opens the books and walks through his real numbers, including total rent collected, expenses, and cash flow. We also cover how much time he spends managing his rentals each month, how he collects rent, how he screens tenants, and the worst thing that’s happened to him as a rental property investor.

https://rentalincomepodcast.com/episode559

Thanks To Our Sponsors:

MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)

Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session

Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.

Rental Accounting Software Made Easy. Free 30 Day Trial.

This bonus episode features Caeli Ridge from Ridge Lending Group, breaking down what’s happening right now with DSCR loans and why they’re getting so much attention from rental property investors.

Caeli explains how DSCR loan rates have been coming down and are now very close to Fannie Mae and Freddie Mac rates. We talk about why DSCR loans are often simpler than conventional mortgages, how they qualify based on the deal instead of the investor’s personal income, and why that makes them especially attractive for investors.

We also discuss how increased competition from DSCR lenders has pushed Fannie and Freddie to lower their down payment requirements. Single-family rental properties now require as little as 15 percent down. 

Caeli also walks through the documentation needed for conventional loans and what credit scores lenders are looking for.

Listen in on a coaching call with Caeli and a client:  https://rentalincomepodcast.com/bonus-tina

Contact Caeli:

Website
[email protected]
1-855-747-4343

Joel has been investing in rental properties for 48 years and has figured out how to increase rental income without buying more properties.

On this episode, Joel shares practical strategies he uses to get more cash flow from the rentals he already owns. We talk about how he keeps up with rent increases to make sure his properties stay profitable, along with inexpensive upgrades that help units look better and command higher rent. Joel explains his approach to flooring, including LVP vs. carpet, and whether it makes sense to make tenants responsible for washer and dryer repairs.

The conversation also covers how pets can be profitable, whether landlords should charge a pet fee or pet rent, and how to reduce vacancies during the slower winter months. Joel shares his thoughts on when an upgrade stops making financial sense, which improvements often fail to deliver a good return, and how to avoid over-improving rental properties.

https://rentalincomepodcast.com/episode558

Thanks To Our Sponsors:

Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.

MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)

Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session

Rental Accounting Software Made Easy. Free 30 Day Trial.

Tim Delaney has built a diversified real estate portfolio that includes long-term rentals, a short-term rental, and a strip mall.

What makes his story especially interesting is that his very first deal was the strip mall, and he bought it with zero money out of pocket.

On this episode, Tim breaks down how that deal came together and how a simple conversation with his banker introduced him to the BRRRR strategy. Tim knew he wanted to rehab properties, but he also knew his limits. He wasn’t a contractor and didn’t have deep construction knowledge. Instead of forcing it, he partnered with a friend who was a contractor.

That partnership became a key turning point, with his partner handling rehabs while Tim focused on management, financing, and the numbers.

We also dig into the day-to-day reality of managing rentals. Tim shares how much time property management actually takes, and the software he uses to stay organized.

Finally, we talk about Tim’s Airbnb and whether the higher returns are truly worth the extra time and effort that short-term rentals demand. 

https://rentalincomepodcast.com/episode557

Thanks To Our Sponsors:

MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)

Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session

Rental Accounting Software Made Easy. Free 30 Day Trial.

Ron took an unconventional path to financial freedom. He was living a comfortable life in California when he realized his money would go a whole lot farther if he bought rentals somewhere else. So he packed up, moved across the country to Connecticut, and got to work building a rental portfolio from the ground up.

Over the next several years, he bought properties, self-managed tenants, handled maintenance, and slowly created the income stream he needed .But after plenty of tenant phone calls, turnovers, and years of being on duty 24/7, Ron felt the tug for something different. He was ready to step away from full-time landlord life and enjoy the freedom he’d earned.

On this episode, Ron shares how he knew it was truly time to sell, and how he pulled it off without scaring tenants into leaving. He walks us through the logistics of marketing properties quietly, and dealing with a giant tax bill from both appreciation gains and depreciation recapture.

We also dig into what comes next. Ron explains how he’s covering his living expenses today, the systems he has in place to keep his money working for him, and whether he ever worries about running out of money now that rent checks aren’t rolling in every month.

https://rentalincomepodcast.com/episode556

Thanks To Our Sponsors:

Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session

MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)

Rental Accounting Software Made Easy. Free 30 Day Trial.