Stop Overpaying Taxes: How a Surgeon’s Wife Built 445 Doors & Legally Paid $0 on a $400K Gain

How to Buy Real Estate With $100 Down (No Banks, No Credit Needed)

In this episode of Invest & Roam with Dear Ngo, real estate investors Jenn & Joe Delle Fave from Creative Finance Playbook break down how they scaled their portfolio without relying on banks, perfect credit, or large down payments — and how beginners can start doing the same. If you’ve ever felt stuck waiting to qualify for traditional loans or saving for a 20% down payment, this conversation shows what’s possible using alternative investing strategies that most people never learn about. Inside this episode:• What creative financing in real estate actually means• How to buy houses with as little as $100 down• Seller financing explained step-by-step• Subject-to real estate investing made simple• How rent-to-own creates strong monthly cash flow• Why banks limit investors (and how to work around it)• How to find off-market deals using Facebook and social media• Risks to understand before doing creative deals• How to scale from 1 deal per year to multiple deals per month• First steps beginners should take today These strategies helped Jenn & Joe transition from traditional financing limits to building a scalable portfolio that supports financial freedom and location flexibility. Timestamps: 00:00 Intro 01:15 Buying homes with $100 down 03:00 First seller-finance deal explained 05:00 Subject-to strategy breakdown 12:00 Scaling faster with creative finance 15:00 Finding deals through social media 18:00 Rent-to-own strategy explained 21:30 Risks investors should understand 31:00 Facebook lead generation strategy 35:00 Who should NOT use creative finance 41:00 Working together as a couple in real estate 58:00 First steps for beginners Connect with Jenn & Joe:Instagram: @creativefinanceplaybookFacebook Group: Creative Finance PlaybookEmail: team@creativefinanceplaybook.comPhone: 585-329-4072 Subscribe for more episodes on building wealth, financial freedom, entrepreneurship, and real estate investing strategies.

Stop Overpaying Taxes: How a Surgeon’s Wife Built 445 Doors & Legally Paid $0 on a $400K Gain

In this episode, Lila Kaplan shares how she legally made $400,000 tax-free on a single property, transitioned from Wall Street into large-scale real estate investing, and now owns 445 doors across five states. She explains why spouses in high-income households may be the biggest untapped wealth-building asset and how strategic real estate investing can dramatically reduce taxes while accelerating long-term financial freedom. This conversation breaks down practical strategies for doctors, professionals, and high-income families looking to move from earning income to building wealth. Main Takeaways 1. Capital gains exemptions can eliminate huge tax billsLiving in a property 2 of the last 5 years before selling may allow homeowners to avoid capital gains taxes. 2. Income does not equal wealth High earners often remain dependent on active income unless they invest strategically. 3. Spouses can unlock powerful tax advantagesOne spouse qualifying for Real Estate Professional Status (REPS) can offset the working partner’s W-2 income using depreciation. 4. Short-term rentals create another path to tax savingsEven without REPS status, meeting participation thresholds can allow depreciation to offset active income. 5. Multifamily investing scales faster than single-family portfolios Instead of managing dozens of properties individually, investors can grow through syndications and partnerships. Chapters ⏱️ 00:00 How Lila Made $400K Tax-Free on One Deal 00:41 Meet Lila Kaplan (445 Doors Across 5 States) 01:03 Jersey City Condo Strategy Explained 02:54 Capital Gains Rule: Live 2 of Last 5 Years 04:21 Renovating Property While Living Overseas 05:30 Historic Dixon Mills Investment Story 07:18 Using Profits to Pay Off Medical School Debt 08:03 Leaving Wall Street After 15 Years 09:27 Meeting Her Surgeon Husband Changed Everything 10:29 The Goal: Retiring a Doctor Early 10:59 Average Medical School Debt Explained 13:48 Rich vs Wealthy (Critical Difference) 15:59 Tax Strategies for High-Income Households 17:11 Real Estate Professional Status (REPS) Explained 19:28 Why Spouses Have Massive Tax Power 21:01 Managing Family Life While Building Wealth 22:17 Why the IRS Code Rewards Real Estate Investors 23:47 How the Ultra-Wealthy Actually Build Wealth 25:08 Why the US Tax System Creates Opportunity 26:05 Short-Term Rental Tax Loophole Strategy 27:51 $1.7M Florida Property Depreciation Example 29:22 When Should You Claim REPS Status? 31:08 Why You Need a Specialized Real Estate CPA 32:57 What a Tax Strategist Actually Does 34:36 Scaling From Condo to Multifamily Investing 35:45 Losing $50K on a Flip (Important Lesson) 37:43 Turning a Burned Property Into Profit 40:06 Selling the Fourplex for $650K 41:48 The Real Lesson From Rich Dad Poor Dad 43:30 What Real Estate Syndication Means (Simple Explanation) 45:53 How Limited Partners Benefit From Depreciation 47:27 Why Some Syndications Underperformed Recently 49:09 How to Evaluate a Multifamily Deal 51:32 Bridge Loans Created Today’s Buying Opportunity 53:59 Why 2026 Is a Strong Market for Buyers 55:35 Why Investors Should Act Before 2027 56:32 Bonus Depreciation Returns to 100% 57:37 How to Connect With Lila Kaplan Connect with Lila Kaplan Lila Kaplan bio:IG: @lilamengkaplan Lila Kaplan is a mom of three, an only child, and the wife of orthopedic surgeon Daniel Kaplan. She has lived in four countries and about twelve cities, and has traveled to 40 countries and 40 states, which gave her a big picture view of people, markets, and opportunity. Professionally, she spent 15 years on Wall Street, including six years in Singapore in relationship management and business development across Asia Pacific. key message: You don’t have to accept high taxes as a given. I’m imploring lawful strategies, diligent planning, and professional guidance to optimize your financial picture as the spouse of a high income earner.

Bitcoin Adoption is Still Early and Most People Don't Realize It

In this episode, we sit down with Bitcoin educator Myles Dhillon to discuss why bitcoin today is still missing from most portfolios and whether traditional investing advice is failing modern investors. Myles shares his journey and why he believes Bitcoin offers a path to financial freedom, emphasizing financial education and personal growth. We also cover the impact of inflation on purchasing power and strategies for managing your money effectively. Myles shares his 13-year journey with Bitcoin, how it transformed his perspective on money, and why he believes it offers a path to financial freedom. From debunking crypto myths to discussing long-term wealth strategies, this episode challenges everything you thought you knew about investing. 00:00 – Why Bitcoin is missing from most portfolios 02:40 – Bitcoin vs Crypto (Huge difference explained) 08:45 – Myles’ Bitcoin journey (13 years experience) 12:30 – Why traditional investing fails most people 16:20 – Are people overcomplicating investing? 18:20 – Is Bitcoin too volatile? 24:00 – Bitcoin vs Gold debate 30:00 – Dollar Cost Averaging strategy 33:00 – Traveling the world with family 40:00 – Quantum computing & Bitcoin security 43:30 – Rapid fire questions Myles Dhillon Bio: https://mylesdhillon.com/ [https://mylesdhillon.com/] Bitcoin educator, author and speaker. I help people build wealth and live with conviction through faith, character and financial freedom. I host the Should I Invest in Bitcoin? podcast and co-founded the Faith & Bitcoin Gathering in the UK. Key message: that bitcoin is worth investing some more time into learning about Final Thoughts This episode isn’t just about Bitcoin, it’s about rethinking money, time, and freedom. Myles offers a fresh perspective on how to build wealth without sacrificing your life.

The $240,000 SOP: Why Systems Beat Hustle

Burnout is not the cost of success — it’s a systems problem. In this episode of Invest & Roam, Dear Ngo talks with Amanda Fornelli, real estate investor and founder of The Systems Academy, about how she escaped 80-hour workweeks, constant Airbnb interruptions, and business burnout by building systems that scale. You’ll learn: * Why burnout is a signal to change your business * What SOPs actually look like in real life * How to decide what to automate vs delegate * The $10/hr vs $1,000/hr task rule * How one automated email SOP brought in $240,000 * Amanda’s LEAN Framework for scaling without chaos If you’re building wealth but losing time, energy, or relationships along the way — this episode will change how you operate.

Function in the Fear with Sarah Weaver

Today’s episode is a masterclass in designing a life that feels like freedom. I’m joined by Sarah Weaver — real estate investor, author, international speaker, and full-time world traveler. Sarah owns 20 rentals across four states (including 11 furnished mid-term rentals), runs three successful companies, and still makes time to hop on African safaris, climb Kilimanjaro, and lead international investor retreats. All from her laptop. All while visiting 56 countries on 7 continents. In this episode, we dive into: • Why mid-term rentals outperform long-term & short-term • Exactly who stays 30–90+ days and how to attract them • How Sarah built multiple businesses entirely remote • The mindset shift every remote investor needs • How to buy a rental in 90 days — without visiting the property • The truth about managing fear, uncertainty, and growth • How to design your life with intention (and the “Wheel of Life” method she uses) Sarah’s story is proof that you don’t have to choose between success and freedom — you can build both with intention, strategy, and community. Website: www.sarahdweaver.com [http://www.sarahdweaver.com]Instagram: @sarahdweaverLinkedIn: /in/sarahdweaverFacebook: @sarahdweaverpage ---------------- Follow Dear on IG: @dearngox2Join the Investor Club: www.remrayequity.com [http://www.remrayequity.com/invest] Follow along for episodes on real estate, wealth building, and living life by design.