Masterclass on January 22!

 What if you could enjoy a doctor’s lifestyle without depending on your clinical paychecks?


Masterclass on January 22!

 What if you could enjoy a doctor’s lifestyle without depending on your clinical paychecks?

Accelerating Wealth Is Now open!

Don’t miss out! Grab this golden opportunity to enroll in Accelerating Wealth.  Enrollment ends December 8th.


Zero to Freedom is Now Open!

Don’t miss out! Grab this golden opportunity to enroll in Zero to Freedom. Enrollment ends January 30th. 


Zero to Freedom is Now Open!

Don’t miss out! Grab this golden opportunity to join the Spring 2024 Zero to Freedom course!

A hands-on course that walks you step-by-step through the process of purchasing your first rental property—so that you can build a second income stream to nurture your goals and help you achieve work-life balance.

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It took years of hard work to get to where you are now...

... so why are you still working so hard?

The conventional thinking about making money as a doctor looks something like this:

  1.Work hard and graduate from medical school


  3.Money in the bank!

You thought you were going to have it made: an intellectually challenging AND fulfilling job where you got to make a real difference in your patients’ lives … while also bringing home a paycheck that was going to secure your family’s future? Yes, please!

But those four question marks in the middle are doing some heavy lifting.

You went into medicine because you wanted to help people.

But you probably weren’t counting on …

  • Bringing a (virtual) stack of charts home after a full day of work…
  • Seeing 20 … 30 … even 40 patients a day…
  • Sitting through endless staff meetings…
  • Jumping thorugh administrative hoops like quality metrics or prior authorizations…
  • Dealing with the soul-sucking hospital politics

And that’s before you even think about the mythical unicorn that only exists in fairytales and TV shows…

Work-life balance.
(Wait… what even is work-life balance?)

And a life in a demanding helping profession means you spend your life in service to others … never in the life you really want to live:

Even if you do make it home for family movie night, your eyes start to droop the second that the Disney logo appears on the screen, and you’re snoring away before “We Don’t Talk About Bruno” comes on.  (You’re singing it right now, aren’t you?)

And even though the salary you were offered seemed big, when you actually do the math based on how many hours you’re putting in outside the hospital and clinic, it doesn’t work out to be as much as you thought (not to mention, taxes take a huge bite out of your take-home pay).

No one said being a physician wasn’t a commitment, but you thought that by now you’d be able to enjoy the fruits of your labor at least a little bit…

Instead of missing out on soccer games, ballet recitals, and sushi dates with your spouse… not to mention that Caribbean cruise that keeps getting put on the back burner because of your work schedule?

The worst part?

All those hours away from family… and yet your patients aren’t getting the best of you, either.

Between sheer exhaustion, enormous amounts of red tape, and trying to cram in enough patients and do enough procedures to stay in the black…

It can start to feel like you’re trying ot keep up with a conveyor belt, instead of developing meaningful relationships.

You’re sacrificing your personal life… but you still don’t get to the e the doctor you always dreamed of being.

And no matter how capable you are of working hard, sooner or later you’re going to hit a ceiling … if only because there are only 24 hours in the day.

The trouble is, as long as your W-2 income is the only game in town, that hamster wheel is going to keep on throwing you around… even after your legs give out from spinning…

So how do you find that coveted work-life balance while you’re young enough to enjoy it… and still make enough money to support your lifestyle.

It’s time to talk about FIRE.

That’s the idea behind Fast FIRE (aka investing actively for bigger, faster returns)

(No need to break out the fire extinguisher—it stands for Financial Independence, Retire Early).

For lots of people, that means cutting back on expenses to build up their savings so they can retire 5, 10, maybe even 15 years early.

Sounds great…for people who have a standard 9-to-5 desk job.

But as a physician, you’ve already spent years living on a shoestring budget in medical school and residency.  And it’s not like you had endless free time to pursue your hobbies or hang out with friends then, either.

You want to be able to practice medicine on your terms and spend more quality time with your family NOW…

Not after another decade—or more—of logging 60-hour work weeks, being stuck at work during trick-or-treat and piano recitals, and scrambling to put together just ONE week of PTO in the summers.

But despite what you may have read on Reddit, the secret to achieving financial independence isn’t:

Living off of ramen noodles like you're still a sophomore in college Picking up even more call shifts Never, ever caving ino the urge for a latte from Starbucks - no matter how little sleep you got Pouring all your income into traditional, passive retirement accounts that will pay off when you're 60 65 67 72 (and not a moment sooner)

Because while these things might make a dent in your finances (...eventually), they're not getting you any closer to having both time and money. 

And that’s what financial independence really means:

Having enough money that you can prioritize how you spend your time.

(So long, golden handcuffs!) Instead of burning the candle at both ends, you deserve to:

Control when and how often you work (say no to call…and yes to seeing patients because you WANT to) Actually show up for milestone birthday parties, dates at your favorite French brasserie, and game night on Saturdays Book long stretches of vacation and start checking off bucket-list destinations Focus on areas of your practice that you’re passionate about, instead of just the procedures that make money Finally go on that medical mission you’ve never had time for

…and do it all sooner rather than later.

It’s time to talk about FIRE.

  🐢 You could rely on passive investments to generate a slow-but-steady trickle of wealth over decades…

  🐆 But when you make savvy investments in rental properties, you generate income now—and seriously reduce your tax bill in the process.

If the thought of investing in rental properties makes you as jittery as downing 4 cups of coffee during a shift, though, you’re not alone.

If the thought of investing in rental properties makes you as jittery as downing 4 cups of coffee during a shift, though, you’re not alone.

Sure, it has the potential to be more profitable—but there’s also a learning curve involved in doing it well.

Not to mention that the real estate market is on fire, and it’s hard to imagine that there are any hidden gems left. 

It’s no surprise that you might feel a bit hesitant.

But the truth is:

Most of us have been sold one—and only one—version of building financial independence.

Spoiler alert: the whole system relies on you playing someone else’s game for their benefit.

And there’s a few things you’ve probably internalized because of that…

Let's get clear about one other thing:
financial freedom looks different for everybody.

Just because rental properties allow you to retire early, “retire early” doesn’t mean that has to be your goal.

✅ Maybe you want to go down to 0.5 FTE so that you can spend 2 days a week with your kids
✅ Maybe you love your job and wouldn’t change a thing…but your partner is getting sick of spending 3 hours a day in bumper-to-bumper traffic
✅ Maybe you want to keep working but have a second income stream in place because you never know what the future holds
✅ Maybe the only thing you care about is never missing another Sunday barbecue because you’re on-call that weekend
✅ Maybe your 5-year goal is to be done with medicine and managing your real estate business poolside in Cabo while you sip a jalapeno margarita 🍹

Whatever your “why,” it’s time to start thinking big about how to get there.

And once you’re equipped with the knowledge you need to invest in rental properties…

you’re going to find yourself on the fast track to financial independence.

We're Kenji and Leti,
founders of Semi-Retired MD.

Let’s turn back the clock to 2014.

We were newlyweds who’d met while working at Swedish Medical Center in Seattle.

We had done everything we were supposed to do:

✔ Bachelor’s degrees from good schools
✔ Acceptance into competitive med schools
✔ Match at prestigious hospitals
✔ Residency…and all the long hours that came with it

And we liked the work we did as hospitalists—it was rewarding both personally and intellectually.

But if we wanted to spend time together, we had to schedule date night an entire month in advance.

So when we managed to scrape together the PTO for a much-dreamed-about trip to New Zealand, we thought it was just a well-deserved break.

But as we holed up in our camper van, thousands of miles away from the hubbub of the hospital, we started to think about a different future for ourselves. 

We started researching financial independence and set a bold goal for ourselves: achieve financial freedom in under 7 years.



After exploring our options, we decided to invest in rental properties.

We started small, with 2- and 4-unit buildings that cost around $200K…but in just a few years, we were no longer dependent on our clinical incomes, thanks to tax-free cashflow, debt pay down, market and forced appreciation, and tax savings.

These days, we have over 150 cashflowing long- and short-term rental properties in our portfolio.

Early on, we started blogging about our real estate investing journey, and as our readers followed along, they had questions. Namely: will this work for me? And if so…how do I get started?

We realized it wasn’t enough to create freedom for ourselves, so we developed a course that would teach our fellow doctors everything they need to know about buying and owning rental properties.

Since then, we’ve taught over 3000+ doctors, high-income professionals, and their partners how to achieve financial independence through rental properties.

“When we started ZtF, we had zero properties other than our primary home. Just a month into the course, we had already closed on 2 properties. Now we have about 25 units, both long- and short-term rentals. In less than 2 years, we are halfway through our goal—to get me retired by 2024.”

- Christina T., Emergency Medicine

“We had three single-family homes before we took the course. And then we found you guys through the awesome community of physicians, and we took your ZTF course in the Summer of 2020. And at that point it really enabled us to say, ‘Oh, wait, we only have three single-family homes. There’s so much more to do with our real estate portfolio.’ So at that point, I set a goal for 10 doors by December of 2020. We didn’t quite meet the 10 doors by December of 2020, but by January 2021, we re-upped to seven doors. So, at that point I’m like, well, I want 20 doors for 2021. I doubled my bet. And lo and behold by June, of 2021 we hit 22 doors.”

- Mario M, Property Manager & Kristina K., Pediatric intensivist

“Since taking ZtF in summer 2020, we have acquired 60 units including both residential and commercial ones plus another STR since the course. On top of that we were able to use one of our commercial units to expand a separate business in medical aesthetics. We were also able to save 6 figures in taxes for two years in a row. Being part of the SRMD community allowed us to adjust our medical careers, expand our medical aesthetics practice, change our mindset on work-life balance, and—most importantly—spend more time with our kids and family.”

- Rafal S., Anesthesiologist & Jenn F., Family Doctor Focusing on Medical Aesthetics

The Smartest Investment Decision You'll Ever Make

When you buy the right investment property and rent it out, you’ll have extra cash in your pocket every month.

But that’s just the beginning: when you own rental properties, you build equity every time you send a mortgage payment (covered by your renter!) over to your lender.

Then there’s the power of forced appreciation: buying a low-performing property and increasing its value by improving the income and trimming expenses. Done right, it can add hundreds of thousands of dollars to your net worth in less than a year.

And then there are the tax benefits—when you run a real estate business, you may even be able to shelter your clinical income from taxes, shaving 5 or even 6 figures off your tax bill each year, like we did after we started investing in real estate.

The returns you see from this kind of investment can be staggering—we’re talking 25%+ returns*, year over year.

*25% is a conservative average of what you can expect. We even have one gem of a property that generates over 40% returns each year. And several of our students have properties consistently delivering and average of 30%-50% returns.

If those kind of numbers have your attention, we’d like to introduce…

A step-by-step blueprint that teaches time-starved doctors exactly how to find and purchase their first cashflowing rental property by giving you all of the education, tools, insider information, and live support you need

So you can…

  • Crunch the numbers and immediately understand if a property is going to generate cashflow
  • Know exactly where, how, and when to buy your first property
  • Build the right team to support you as you build your portfolio of rental properties
  • Learn to negotiate like a professional—and turn good deals into great ones
  • Meet the investor agents who will bring you deals so that you don’t have to spend all your time on Redfin
  • Learn how to reduce how much you’re going to have to pay the IRS come tax time

Zero to Freedom is a 7-week experience of actionable education, practical steps, and high-touch mentorship. (Followed by lifetime access to all of the trainings, tools, and resources.)

Each week, we'll take you step-by-step through the process of purchasing your first profitable rental property.

Intro: Laying the Groundwork for Investing Success

Once we get started, things can move really quickly. This pre-course step makes sure you’re positioned for success right out of the gate, so that you can start making progress toward finding your dream property on day 1.

You’ll learn how to:

✔ Screen potential markets—and choose one to focus on
✔ Protect your assets so that you can put a plan in motion when you find a property
✔ Get pre-approved by a lender who knows what investors need (as opposed to homeowners)

Step 1: Identifying Your "Why" and Goals

Every single investment you consider needs to be evaluated the same way: does this help me reach my goals? In this module, you’ll figure out what those goals are so that you can stay motivated throughout the course and beyond. We’ll also lay the groundwork for understanding when to make an offer—and when to hold back.

You’ll learn:

✔ A tried-and-tested method for setting crystal-clear goals
✔ How to keep the big picture in mind by connecting your investment goals to your “why”
✔ The two times you’ll need to use our trusty COC calculator during the buying process

Step 2: The One Strategy

To generate cashflow, you need to pick the right rental property. In this module, you’ll learn the exact strategy that we’ve used for every deal in our portfolio, and how it informs our purchasing decisions.

You’ll learn:

✔ How to find rentals that will put money into your pocket each month
✔ The exact type of property we recommend investing in—with examples from our own portfolio
✔ How to spot the ways you’re going to make money on a property (that the current owner has missed!)
✔ A critical calculation that investors use every single day to determine whether a property is going to make them money

Step 3: Build Your Team and Learn Your Market

If you want to make money with cashflowing rentals, you need a rock-solid property manager and a contractor you can trust—they’ll be your boots on the ground. In this module, you’ll learn how to hire the right people. We’ll also talk about getting to know your market—and why it pays off.

You’ll learn:

✔ Why you want to find your property manager and other team members BEFORE you invest
✔ The most important questions to ask any contractor you’re interviewing
✔ One easily overlooked red flag to look out for when hiring a property manager
✔ Our proven strategies for getting to know your market—even if you’ve never been there before

Step 4: Create a Deal Funnel

Want a steady flow of good deals? (Who doesn’t?) Your relationship with your investor agent is everything. In this module, we’ll show you how to find the right person, become their favorite client—and move quickly when a deal pops up.

You’ll learn:

✔ Why finding the right agent can make or break your real estate business
✔ How to be the first person your agent calls when they learn about a deal
✔ The critical difference between making offers on an investment property vs. your primary residence

Step 5: How to Find Deals On Your Own

No one is as committed to your real estate business as YOU are. In this module, we teach you our secrets for finding and evaluating deals, so that you’re never fully reliant on an agent.

You’ll learn:

✔ Our exact system for evaluating deals (just like reading an EKG, you need to do it the same way every time so you don’t miss a thing)
✔ How we’ve used targeted searches on our phones to find 25% of our properties
✔ Why extra square footage or little slivers of land can significantly increase cashflow

Step 6: Due Diligence and Negotiation

So you’ve found an incredible deal—now what? In this module, we’ll walk you through the purchase process step-by-step so that there are no surprises.

You’ll learn:

✔ The 7 contingencies you can use to protect yourself during the purchase process
✔ Why an “all-hands-on-deck” inspection is critical to your success
✔ How to respond once you’ve gotten the inspection report (and why we are the first to walk away)
✔ What a “haircut” is (hint: it’s a good thing) and how we’ve used negotiation to get them time and again

Step 7: Where to Go From Here

Just because you’ve closed on your first property doesn’t mean you’re done yet. In this module, we cover some of the next steps you may want to take while building your portfolio.

You’ll learn:

✔ What you’ll find in our membership, Empire Builders
✔ Our advice on how to prepare for an economic downturn, so that you can make smart investment decisions when it happens

Plus, each module also contains an in-depth breakdown of a deal, whether it’s one from our personal real estate portfolio, one that didn’t go through (learning experience!) or one someone else has done, so you can see how that week’s lesson applies in real life.

But the insider education is only the beginning.

Because we want you to have a place to take your super-specific questions about your market or a property you have your eye on, you’ll also get…

LIVE support throughout, including:

  • Weekly Q&As with Leti and Kenji
    After each module is released, we’ll hold a 2-hour Q&A session (with recordings for anyone who can’t make it live). Ask us anything about the material and how it applies to the portfolio you’re trying to build. It’s important that we give you the support you need to stay agile and savvy no matter what your market’s doing on any given week. These calls help us talk through your right-now problems so you feel confident no matter what deals you’re making.
  • Open office hours with the ZTF coaches (5 days a week)
    Want advice on which market to choose? Need someone to double-check your cash-on-cash calculations? Our coaches hold office hours 5 days a week for 2 hours a day, where they can answer your questions—or just deliver a timely pep talk. All coaches have taken ZTF and now own investment properties themselves.
  • Weekly Open office hours with CXO and Mentors
    We’re big believers in the power of support, accountability, and community. Each week, our Chief Experience Officer (hi, Kirsten!) and ZTF alumni host 2 one-hour sessions where you can celebrate your wins, commiserate about challenges, and learn from your peers
  • A members-only Facebook group
    Meet other doctors around the country (some of whom may be investing in the same market), ask tough questions, and share your progress with the course. Our experienced ZTF coaches and mentors are there to answer your questions, and we drop in frequently as well to help you through the tough spots.

And because building the right team is fundamental to your success, you’ll also get access to our professional network, including:

  • 400+ experienced investor agents in 45 states
    When you work with the right agent, it can save you hundreds of hours in searching for deals. But you need someone who’s a pro at working with investors like you. We’ll connect you to vetted investor agents in the market you’ve chosen.
  • Trusted financial professionals
    We’re sharing the names of commercial and residential lenders, CPAs and tax accountants, insurance brokers, asset managers, bookkeepers, and experts in cost segregation and 1031 exchanges. Many of them are people we’ve worked with and trust ourselves.

Meet Your Coaches

Karen Jackson

Family Physician
Portfolio: 1 short-term rental under major rehab, adding more soon

Hussein Girnary

Medical Device Developer
Portfolio: 17 units, in the process of being converted from long-term to short-and medium-term rentals

Christina Tran

Emergency Medicine
Portfolio: 22 total units, split between 5 long-term rental properties and 7 short-term rental properties

Jie Liu

Family Medicine & Assistant Medical Director
Portfolio: 27 Doors; 25 LTR; 2 STR and 1 ADR being build

Emill Levasseur Sanchez

Internal medicine
Portfolio: 8 total units, both long- and medium-term rentals

Brian Kwan

Internal Medicine
Portfolio: I own 4 doors, all LTRs, in Kansas City. We are actively shopping for an STR.

Plus, ZTF is eligible for CME…up to 10 AMA PRA Category 1 Credits™.

When you enroll in the July 2022 cohort of Zero to Freedom, you’ll also get:

Bonus Training: Real Estate Bookkeeping Basics

Bookkeeping is the key to making sure your real estate business isn’t just running, it’s profitable.
We’ve created this training to teach you the basics of bookkeeping for a cashflowing rental business.

You’ll learn:

✔ Why you need to resist the temptation to hire someone else to do your bookkeeping for you
✔ How to get actionable insights from your bookkeeping data, so you can make smart decisions
✔ Why the bookkeeping decisions you make now could affect purchases down the road

Bonus Training: Adding Short-Term Rentals to Your Portfolio

Short-term rentals bring in serious cashflow—and they have some great tax benefits. In this training, we’ll teach you how to find golden opportunities for STRs in unexpected places.

You’ll learn:

✔ The 9 customers you can work with—including the ones that are VERY under-served and in need of a place to stay
✔ Our decision-making framework for figuring out if a property will make a good short-term rental
✔ The type of short-term rental that commands the highest average daily rates

BONUS: 60 days of additional support, mentorship, and community inside our membership, Empire Builders

Keep the momentum going inside our community, Empire Builders. You’ll find training on what to do after you buy your first property, including advice on renovations, insurance, and buying multi-family properties as well as other niches such as medical office buildings, short- and mid-term rentals, supported living, etc. You also get access to calculators, checklists, and other templates; monthly Q&As with Leti + Kenji; short-term rental Q&As with our coaches; book clubs with authors; and Q&A sessions with experts in fields like taxes or law. And of course, there’s an exclusive Facebook group for members.
*(This will be offered after the course is completed.)

We know that’s a lot, so let’s go over it one more time.

When you enroll, you’ll receive:

  • Immediate access to the intro module of content
  • 7 additional modules, one released each week
  • Weekly Q&A sessions with Leti + Kenji
  • Weekly open office hours with CXO and ZTF mentors
  • A members-only Facebook group
  • Access to vetted investor agents and financial professionals
  • Bonus: 2 months of access to Empire Builders, our mastermind
  • Bonus: Real Estate Bookkeeping Basics
  • Bonus: Adding Short-Term Rentals to Your Portfolio


*Completely interest-free, unlike far too many things in life.

The Zero-Risk Guarantee

We want you to feel confident about your real estate journey. That’s why we offer a zero-risk guarantee for the first 21 days of the course. If you purchase Zero to Freedom and it isn’t what you expected, just send us an email at before Wednesday, Aug 24, 2022, and we’ll refund your entire payment, no questions asked.

"We’ve chosen to grow at a rate we want with real estate. We have 13 doors currently, and we’ve chosen that because we’re also growing 3 other businesses at the same time. You can really choose your page. You can choose to buy one property a year. If you choose to acquire 50 doors in a year, you can. This is a recipe that you can personalize any way you want.”

- Latifat A., gastroenterologist

“Six months after we finished the course (and the start of the pandemic), we purchased a 12 unit apartment complex and are cash flowing over $5000 / month and have increased our net worth by $1.5 million. We have since purchased a short term rental and are getting a $100,500.00 tax refund using the short term rental loophole!”

- Heather K., OB/GYN and Kevin J., pediatric neurologist

“We went from 0 doors before we took ZTF 3 years ago, to 8 doors 2 months after finishing the course. We’re now at 20 doors including 19 long term doors in Phoenix and 1 short term rental in Scottsdale. We bought two properties in 2019, two in 2020 and two in 2021. We were able to shelter a significant portion of W2 income by doing cost segregation with bonus depreciation and all properties are cashflowing and have all appreciated 30-50% since we bought them.”

- Natalie L., gastroenterologist

“I decided to take Zero to Freedom in spring 2020. I was re-evaluating how medicine is and how we’re paid, and I needed a way to diversify my income. I told my husband I was going to do it, and I did. In June, I jumped in with a short-term rental before as a passion project in an area I had visited. I locked up 4 LTRs in July, and 1 more STR in October, and now I have another STR being built right now. Within 5 years, I want to have the income to walk away from medicine if I ever need to.”

- Alisa Crim, gastroenterologist

“This course takes relatively complex real estate investing information and breaks it down into very high-yield and short segments that you can listen to on your way to work or while you’re doing the dishes. You can really fit a lot of learning into short, digestible chunks of time. I recommend this course to anyone who’s considering it.”

- Zainab K.

Questions other doctors had before choosing to invest in Zero to Freedom and get on the fast path to financial independence...

There’s a lot of risk involved with owning real estate. Wouldn’t I be better off joining a syndication…or maybe just investing in stocks?

Traditional investment vehicles—including real estate syndications—help you accrue wealth over a long period of time, so that you have the funds to retire comfortably when you’re 65 or so.

They’re popular in part because they don’t require a ton of work on your end. You make your investment, then sit back and wait (and wait) for the results to come in.

The downside is that you don’t have control over the outcome. For a syndication to be profitable, someone else has to do their job correctly. And for stocks and index funds to pay off, the market has to perform well.

On the other hand, owning cashflowing rentals yourself means that you’re going to have to do more work.

But it’s also the fastest way to develop a second income stream big enough to let you achieve financial independence in under 5 years (like we did).

Plus, a lot of the risk in real estate comes from not knowing what you’re doing.

We make sure you have the tools you need to make smart investment decisions, the team that can take care of the details, and a community where you can ask tough questions and get second opinions.

In the end, we’d rather bet on ourselves and put in the hard work than roll the dice on someone or something we can’t control.

Don’t you need to dedicate 750 hours a year to real estate to reap the tax benefits?

When you achieve Real Estate Professional Status (REPS for short), it allows you to obtain some serious tax savings by sheltering the W-2 income you make from your medical practice.

It’s true that you need to spend at least 750 hours a year on your real estate business, and make it your primary job, to earn that status.

(If you’re too tired to do the mental math, we’ve got you: it works out to about 15 hours a week.)

Our students have taken a number of different approaches here:

  • Some work as a team with their spouse, who’s able to log most of the 750 hours (maybe they’re part-time, or a stay-at-home parent, or they already work in real estate)
  • Others gradually build their rental portfolio, then work their way up to REPS designation while dialing back the number of hours they work in the office or the hospital
  • And some invest in short-term rentals, which don’t require as many hours as REPS in order to shelter W2 income

But the good news is that you don’t have to have REPS status, have real estate be your primary focus, or even use the short-term rental loophole, to get tax benefits from owning cashflowing rentals. Inside the course, we interview multiple tax pros who will talk about ways you can save on taxes even without REPS status using either loophole.

Real estate is real estate. Why should I take a course designed specifically for doctors?

First of all, most real estate investing courses are aimed at people who don’t have the income or savings to qualify for loans.

That’s not the case for most doctors, so we’re able to make our first investment shortly after we start learning. Zero to Freedom is designed to walk you through that process step-by-step—even if you’re doing it in real time. Many students put in offers and even close on properties while still in the course.

We also teach you exactly how to shelter your clinical income from taxes when you invest in real estate. We may not be CPAs, but we’ve used these exact methods ourselves to legally pay $0 in taxes for over 5 years.

These strategies have helped our students save over $100K on taxes—in their first year.

And last—but definitely not least—we’ve created our content with your busy schedule in mind. We’ll show you exactly how we break tasks down into manageable “small bites,” so that you can get to work on your first purchase whenever you have a few minutes of downtime.

I’ve watched as real estate prices in my area have soared since the middle of 2020, with no signs of slowing down. Is it really the right time to start investing in real estate?

No matter how the market is behaving, there are always opportunities out there.

Let’s break it down.

    1. A hot market doesn’t mean there are no deals. We—and our students—are still making deals that cashflow well. What you need to do is cultivate the right relationships so that someone can tip you off to good opportunities and hidden inefficiencies in your market.
    2. You don’t have to stay local. Lots of our students invest in other cities or even other states. We’re happy to help you explore markets that are the right fit for you (and we’ve got connections there, trust us—at last count, our students are investing in over 92 markets in the US).
    3. The sooner you start, the sooner you can get tax benefits. Many of our students claim Real Estate Professional Status (REPS), a tax designation that can enable you to shelter active income so you can end up paying less in income taxes. But achieving REPS takes time…so why not start now? If REPS isn’t attainable, the short-term rental tax loophole means you can still get tax benefits from short-term rentals by spending as few as 100 hours on a single property. (Even if neither is the right strategy for you, real estate is tax-advantaged, so just buying a single property will help you save on taxes.)
    4. The market floods with deals during a downturn. If you have RE knowledge, a team of experts, and capital to invest, you’ll be in a great position if prices drop. But opportunities can get snapped up quickly, so you need to have everything in place to jump on deals. Experts are predicting a recession soon, so it’s the time to build your skills and your team so you’re ready for the fire sales to come.
    5. The clock is ticking on bonus depreciation. With bonus depreciation, the first year you own a property, you can deduct a percentage of its value from your taxes. Until the end of 2022, you can deduct 100%. In 2023, it goes down to 80%, and keeps decreasing by 20% each year until zeroing out at the end of 2026.

The recession is all over the news isn’t this a bad time to make a big investment?

While we aren’t technically in a recession, it sure feels like it’s the beginning of one. 

Recessions are bad enough, but combine it with inflation, and it’s enough to strike fear in many people’s hearts. Why wouldn’t you be scared?

The economy is slowing down. Which means fewer jobs and more unemployment.

Add to that, the pain of high inflation. Which means the money you make buys you less and less. It also means your cash in the bank is worth less and less.

If you’re close to retirement, a lifetime’s worth of savings is declining in value. The 4% rule isn’t going to cut it when the cost of living is going up.

To weather the long winter–whether it’s just inflation and a mild change in the market, or a large economic downturn–you need diversification. 

Inside Zero to Freedom, we teach you how to quickly and proactively adapt to a changing market, increase your property value (and your profit), and lower your tax bill to $0 so that you can not just survive the recession, but be the few that thrive.  

These intentional risk mitigation strategies allow you to develop significant wealth during a downturn – especially when you have the knowledge, the team in place and have a community to help you get it done.

When you secure consistent low-risk cashflow through a recession, you’re able to provide security and opportunities not just for you and your family, but also those in need.

I don’t know how to say this, but…isn’t there something inherently predatory about being a landlord?

We understand where you’re coming from.

There are plenty of negative stereotypes when it comes to landlords, fixing up properties, short-term rentals, and gentrification.

Plus, some of us carry our own negative experiences with renting along with us.

We believe that you can choose to do it differently, and now you have the tools to create a different experience for future renters.

When choosing a property, we encourage you to be thoughtful about the effect your ownership has on the surrounding community, and make decisions accordingly. Our students pride themselves on fixing up properties and giving tenants a clean, safe place to live, and we believe in taking care of our properties rather than taking advantage of people with limited options.

As you build your real estate portfolio, you’ll also learn that good tenants are worth their weight in gold, and you’ll want to do everything you can to make sure you have a positive relationship with them.

I’m a busy doctor. Will I really have time to take this course?

We get it—because we’ve been there.

From 2015 to 2020, we juggled our family, our clinical responsibilities, a real-estate portfolio of 80+ units AND our Semi-Retired MD business.

These days, we have 3 little kids at home. While we no longer practice medicine, we continue to run two businesses—Semi-Retired MD (with 17 full-time employees and counting) and our real estate portfolio, which has grown to 150+ units..

In other words: we know a thing or two about juggling existing responsibilities while taking on something new.

But one of the secrets of our success is that we break each goal down into smaller tasks that can be accomplished in 20-30 minutes. The same goes for the ZTF alumni who’ve built their real estate portfolios after taking the course.

We designed our course using this principle, so that videos and homework assignments can be completed in those pockets of free time everyone has—sitting in the bleachers at swim practice, chowing down on lunch, you name it.

On average, our students spend 2-4 hours a week working on the material.

You’ll have a full week to complete each assignment—but if you fall behind, no stress. You receive lifetime access to the course, including future updates to the course material. Just catch up whenever you have time.

Most of our students have continued to work full-time and build an investment portfolio on the side. As Kenji likes to say, “Your investment portfolio can be as passive as you want it to be!

Can my spouse join the course too?

YES. We highly encourage you to have your spouse or long-term significant other take the course and join the Facebook group with you.

That’s because it’s always great to be on the same page with your spouse when it comes to your financial goals and your real estate investments.

If you have a long-term partner or spouse who wants to take the course and join the Facebook community with you, we absolutely welcome them to do so at no additional charge.

Just let us know when you join, and we’ll get you all set up.

Can I make it work if I’m single or my partner won’t be involved?

Absolutely. We’ve had successful students who are single, widowed, or who have partners that aren’t involved in their real estate business.

There are some benefits to doing it yourself (for one, you never have to get buy-in from someone else before you make a big decision!)

And more importantly, with the ZTF community behind you, you’re never alone. Our community will be cheering you on, and chances are you can connect with others in a similar situation within your cohort.

What’s the difference between Zero to Freedom and Accelerating Wealth? Which should I take?

Zero to Freedom teaches you the basics of investing in any type of rental property. We focus on building a team, finding great deals, and the process of financing, negotiating, and closing. ZTF alumni have a ton of variety in their portfolios—some start with short-term rentals, some with long-term rentals, and some even go for commercial properties.

Accelerating Wealth, on the other hand, focuses specifically on short-term rentals. It covers how to navigate local laws on STRs, how to upgrade your property and deliver an unforgettable client experience, and how to keep it profitable (and improve margins) over time.

We strongly recommend you start with Zero to Freedom—it gives you a solid foundation for any type of property you might want. Then if you decide you want to niche down into short-term rentals, Accelerating Wealth will be ready for you.

How often do you offer Zero to Freedom?

Because Zero to Freedom is a live course, we only offer it twice a year. Once the doors close, they won’t open again until [January 2023].

So if you’re confident you’ll be purchasing a rental property in the next 6 months, we recommend signing up for this cohort, so that once you’re ready to make that commitment, you’re already equipped with all the tools you need.

Is this course eligible for CME?

Yes, it is! We’ve partnered with CMEfy, a seamless way for busy clinician learners to discover Internet Point-of-Care Learning opportunities that reward CME credits & more. (You can learn more here and here).

If you complete the reflection activities we provide, you can apply to get up to 5 AMA PRA Category 1 Credits™ through CMEfy.

Whether or not you can get reimbursed for CME is between you and your employer. Others who have requested reimbursement from their employer have submitted the receipt for the course along with the CME certificate and detailed learning transcript.

What if I’m not a doctor?

Good news: you don’t have to be! As long as you’re getting ready to dip your toes into the world of cashflowing rentals, you’re welcome inside the Zero to Freedom community.

We’ve had many other high-income professionals join ZTF and benefit—we estimate that about 15% of our students aren’t doctors, and most spouses who participate in the course are not doctors either. If you’re earning a high income and want to shelter your W2 income from taxes plus develop a second income stream, this course is for you.

I’ve already bought my first rental property. Will I still benefit from ZTF?

Of course! We’ve had many students join us after making their first purchase, for a variety of reasons:

  • They feel like things could have gone more smoothly and they want to brush up on the foundations before expanding their portfolio
  • They’re looking to make their current property more profitable
  • They want access to networking and community as they grow their portfolio
  • They need a better understanding of the tax benefits they’re eligible to receive

After completing the course, they often tell us that their portfolios are now more profitable, and they’re able to expand into new markets thanks to the skills they acquired and the contacts they made through Zero to Freedom.

Anita K., hematology / oncology

Zero to Freedom, 2021

There is never an ideal time, so dive in and learn to swim!  Within one month of taking Zero to Freedom, I expanded my real estate journey to finally become an investor. After the course in October, I bought a short-term rental and now a single-family home in April of 2022, and planning to expand to a multi-family home

Kevin J., pediatric neurologist, and Heather K-J., OB/GYN

Zero to Freedom, 2020

Six months after we finished the course, we purchased a 12-unit apartment complex and are cash flowing over $5000 / month and have increased our net worth by $1.5 million.”

Mario M., pediatric intensivist & emergency medicine, and Kristina K., pediatric intensivist

Zero to Freedom, 2021

“Within 12 months of taking Zero to Freedom, we made 6 figures in real estate cashflow and saved 6 figures in taxes. Our goal is that I (Mario) work 9 months of the year in medicine and take our kids to live in other countries during the Summer.”

Billy C., urologist &
Becky L., OB/GYN

Zero to Freedom, 2021

“In less than 12 months we are on course to make close to six figures in cash flow in year one!  In addition, we saved six figures in taxes in 2021 and are on course to repeat this for 2022.

Still not sure if Zero to Freedom is right for you?

You’re ready to join us and start generating cashflow from rentals if…

You’re angling to buy your first rental property, and you’re always looking for ways to avoid mistakes and lower your risky. You’d feel better if you had all the right tools at your fingertips—plus access to coaches and mentors who can step you through the process.

You’ve already bought your first rental, but you have a sneaking suspicion that it could have been easier…or that you could still make it more profitable. You’re determined to avoid making the same mistakes twice as you keep growing your portfolio.

You’re the sort of person who sets goals…and then puts in the work to achieve them. You wouldn’t have made it this far if you weren’t capable of dreaming big and then putting in the hours of work it takes to check off every item on your list.

You’re ready to dedicate a few hours a week to finding deals, building your team, and prepping to buy a property, so that it all goes smoothly—and you maximize your ROI.

…actually, you’re ALREADY putting in the time to find investments. Just tap the Screen Time app on your iPhone, and it reveals exactly how much time you’ve spent searching Zillow this week 👀

You need advice on making it work in today’s market. You know prices are soaring and that it takes serious know-how to sniff out deals before they get snapped up. You’re committed to learning the tools of the trade and building a network that’s going to come through for you…even in a red-hot market. (And yes, even if you live in a state like California or Massachusetts.) Plus, when a downturn does come, you’ll be equipped to make the right moves.

You’ve already had your eye on financial independence. You’re excited about having the freedom to practice medicine when and how you want to, not just because you need the income. What that means is completely up to you to decide.

You’re looking to move quickly. You’re ready to start the purchasing process during your Zero to Freedom cohort, and you want to make sure you have access to the kind of knowledge and coaching that will save you hours of research (and spare you from rookie mistakes) while you take this big step.

If you mentally checked off at least 5 of the above, then you’re going to be the perfect student for Zero to Freedom, and we can’t wait to meet you!

By now, you know that investing in cashflowing rentals is THE best way for doctors and high-income professionals to generate a steady income that’s not tied to their paycheck…and take back control of their work-life balance.

If you’ve read this far, we think you deserve a little pep talk:

If you’re ready to purchase your first rental property, you need Zero to Freedom.

If you’re looking to grow your portfolio and skip the mistakes you made the first time around, you need Zero to Freedom.

If you need a stellar team to support you as you make the big leap, you need Zero to Freedom.

If you want to get off the treadmill that is relying on your W2 income, and start your journey toward financial independence (fast), then you need Zero to Freedom.

And finally…

If you’re ready to make smart decisions and go all-in on cashflowing rentals the RIGHT way so that a few years from now, you have the financial independence to spend your time how you want… then we want to spend the next 7 weeks coaching you inside Zero to Freedom.

Zero to Freedom

Your step-by-step blueprint to finding and buying your first cashflowing rental property

Learn how to find the ideal market, identify cash-generating properties, build a stellar team, negotiate like a pro, and uncover hidden deals.

In need of a recap? 

In this 7-week live course, you’ll get:

✔️ 7 modules of content that teach you how to identify rentals that will put cash in your pocket, build a team, and negotiate your way to a deal

✔️ Weekly Q&A calls with Leti & Kenji (including recordings), plus regular office hours with our experienced coaches, who’ve all completed ZTF themselves 

✔️Members-only resources including access to vetted investor agents and other financial professionals


✔️ Bonus: Real Estate Bookkeeping Basics

✔️ Bonus: Adding Short-Term Rentals to Your Portfolio 

✔️ Bonus: 60 days of access to our Empire Builders membership

 Come meet us right away!
The party’s already starting over on Facebook.

Once you get your email with your login credentials, request to join our group & then come say hello.

You can tell us all about your family, your journey as a doctor…and maybe even those hobbies that you can’t wait to have time for soon.

You’ll also be able to meet the coaches and mentors that will help you over the next 7 weeks.

See you inside!


"We’ve chosen to grow at a rate we want with real estate. We have 13 doors currently, and we’ve chosen that because we’re also growing 3 other businesses at the same time. You can really choose your page. You can choose to buy one property a year. If you choose to acquire 50 doors in a year, you can. This is a recipe that you can personalize any way you want.”

- Latifat A., gastroenterologist

“This takes you to a whole new level.”

I’ve taken several online physician- and non physician-led courses, but this was by far the best one…the amount of time and energy that they put into building this course and community is like nothing else.. you will easily recapture your money through wise real estate investments. 

You really learn about the process and mindset of real estate investing so you can make calculated, good decisions which minimize risk.

Lavanya S.

“We went from 0 doors before we took ZTF 3 years ago, to 8 doors 2 months after finishing the course. We’re now at 20 doors including 19 long term doors in Phoenix and 1 short term rental in Scottsdale. We bought two properties in 2019, two in 2020 and two in 2021. We were able to shelter a significant portion of W2 income by doing cost segregation with bonus depreciation and all properties are cashflowing and have all appreciated 30-50% since we bought them.”

- Natalie L., gastroenterologist

“I had a rental by the end of the course.”

My husband was supportive but didn’t participate. I’d never done anything like it before and didn’t think I’d purchase anything - just learn. Well…I had a rental by the end of the course. Also, the contacts you get are more than worth the money spent.

- Julia S.

“This course takes relatively complex real estate investing information and breaks it down into very high-yield and short segments that you can listen to on your way to work or while you’re doing the dishes. You can really fit a lot of learning into short, digestible chunks of time. I recommend this course to anyone who’s considering it.”

- Zainab K.