Financial freedom...while you’re still young enough to enjoy it
Discover the smart investing strategy that can get you to financial independence faster than the stock market—and then learn the entire process, step by step, of putting this strategy to work for you.
The COVID-19 pandemic has been a huge wake-up call for doctors.

As a doctor, you may have felt like you had it all figured out. You picked a profession that paid well—and one that would always be in demand. Your financial and professional security were all but guaranteed. Right? 


The coronavirus pandemic came in like a wrecking ball. 


  • You discovered that hospital administrators could require you to work 80-hour shifts caring for COVID patients, while cutting your pay. 
  • Or that they could furlough you, and not pay you. 
  • Or your private practice may have been forced to close, and with no money coming in, you couldn’t pay yourself or your partners.


You learned that not even doctors can count on their jobs for money...but you probably figured the money would work itself out, because life would return to normal. Right? 


Turns out that—despite the wide availability of effective vaccines—COVID isn’t going away.


Turns out that all of this—the overtime, the pay cuts, the illness—is the new normal. 


The question is, is there anything a doctor like you can even do about it?


The truth is, you need to do something different, because the medical system was broken even before the pandemic hit.

Even before Covid-19, you saw what was happening to the medical profession.


The system shifted away from prioritizing patient care toward as many patient encounters as possible in a day. Sometimes you have to see 30-40 patients per day and find time to jump through administrative hoops like quality metrics and prior authorizations.


Sixty-hour work weeks are becoming the norm. Taking work home and charting at night was becoming status quo. And taking time off for more than a few days at a time was becoming nearly impossible.


It's not that you're uncompensated. Although when you do the math, your hourly rate isn't that great...and it just keeps getting lower the more time you put in.

Because the more time you spend at work, the less time you have for your family - you know, the people you love the most in the world.


Less time means missing date nights with your partner, your children's birthday parties, and holiday celebrations with family and friends. It means shorter summer vacations and skipping trips back home because you couldn't get the time off from work.

Do you really want that? Probably not.


But do you really have a choice?


You need money to take care of your family.


Without your doctor's salary, how will you ever be able to do that?


It's time to create an additional, reliable source of income for you and your family.

One that doesn’t require you to work more clinical hours—and puts you in control of your earning potential. Does such a thing really exist? It does. 

$$

And it's called: investing in cashflowing rentals.


Fact: Investing in cashflowing rentals can put more money in your pocket every month...and bring in returns of 25% or more per year #MicDrop

You read that right. Those returns come through a combination of tax-free cashflow, debt pay down by your renters, market and forced appreciation, and tax savings.


No matter how you slice it, the returns you get through the stock market don't even come close, and they take decades to give you results.


Do you really want to wait 20 to 30 years to be able to enjoy your life?


We don't think anyone should have to wait that long to get financially free.


So how do you learn how to invest in cashflowing rentals?
Enter:

Learn everything you need to know about building a real estate portfolio that can bring in the benefits (and Benjamins!) of steady income and massive tax breaks in just 7 weeks

Zero to Freedom is a hands-on 7-week course for doctors and high-income professionals that guides you, start to finish, through the entire process of finding, selecting, and ultimately purchasing your first rental property...so you start increasing your monthly revenue and protecting your 2021 incomes from taxes right away.


During our class you'll make progress each week:


⇉  Learn how to choose the right investing strategy in the right market so you can actually earn cashflow and mitigate risk because you’re buying the right properties.


⇉ Get connected to the right investing team of agents, insurance brokers, lenders, asset protection lawyers, CPAs, and specialists in cost segregation, 1031 exchanges, bookkeeping, and more. We've vetted a huge vendor list for our students.


⇉ Shelter your clinical income from taxes when you learn how to leverage the right tax strategies.

Most real estate investing courses were not designed for people like us.

Most real estate investing courses were designed for people who don't have the income and savings to qualify for loans.


As a higher-income earner, this isn't your primary concern. So why pay for information you don't need?


What you need is information about how to make money from real estate without having to give most of it to Uncle Sam (AKA, end up having to pay more taxes), in a way that mitigates risk and keeps you financially protected.


Because if you do it right, you can create that additional signicant, reliable source of income and a tax shelter that protects your real estate...and sometimes your clinical income too.


In less than 5 years, we ourselves were able to generate more than $200,000 per year in cashflow.

As you can see, this is an action-based class. Many students make offers, get properties under contract, and even close on those properties during the course...because we showed them how to piece together every single part of the investing journey in real estate.


Don't take our word for it—hear what our students have to say about Zero to Freedom

The Zero to Freedom Curriculum

There are 6 main modules inside Zero to Freedom. Each training component is designed to give you the knowledge and confidence you need to become a competent and confident real estate investor.

Pre-Course: Laying the Groundwork for Investing Success

As soon as you purchase Zero to Freedom, you’ll be given access to this pre-course module that gets you ready to invest for success. You’ll start setting up your real estate business by choosing an investment market, creating your business name and email addresses (which is important for tax purposes), and setting up your LLC structure(s) if you so choose. You’ll also be introduced to residential and commercial lenders.

Module 1: Identifying Your Why and Your Goals

Module 1 is about laying a strong foundation for real estate investing. The foundational elements include knowing your “why” for investing in real estate, establishing clear goals, and identifying your inner obstacles and fears so you can overcome them. We know from experience that it’s absolutely essential to do this work if you want to succeed in investing—which is why we set aside time to do it together as a group.


We wrap up this first module by giving you a high-level overview of our proprietary cash-on-cash (COC) calculator. Understanding COC return is critical for making good investment decisions. We’ll do this analysis weekly so you can understand the many layers behind this simple yet powerful analysis.

Module 2: The One Strategy

Module 2 is about learning the only strategy you’ll need to be a successful real estate investor: the Core Acquisition Strategy. There are other, more advanced strategies, but until you master the Core Acquisition Strategy, you simply won’t be able to succeed with the others.


All of our properties were purchased using this strategy, and we’ve used it to build our real estate portfolio and grow our cashflow quickly. That’s how we know it works. Period.


You’ll also start building your real estate investing team by connecting with lenders and insurance brokers in our network. Of course, you’re free to find your own. But these are the people and companies we know and trust to help us with our deals.

Module 3: Build Your Team and Learn Your Market

During Module 3 you’ll continue to build out your team. We can’t emphasize enough the importance of having the right team in place. Most people fail (and sometimes, lose everything they’ve invested) simply because they had the wrong people on their team.


This week we’ll show you how to identify and select a property manager and a contractor. We’ll also give you a game plan for learning the details of your market. The better you know your market, the more likely you are to make educated and informed investment decisions.

Module 4: Create a Deal Funnel

The truth is, you have to see a lot of real estate deals before you can find a good one. Many people don’t have enough deals coming their way. That means they grab whatever they can get—which is a strategy that’s destined to fail.


Module 4 is about creating a reliable and steady source of real estate deals so now and in the future, you have access to great investment opportunities. This is when you add what’s known as investor agents to your team. We’ll be blunt: it’s hard to get access to great investor agents by yourself. We’ll make introductions to our exclusive list of investor agents, which will save you lots of time and stress trying to find one yourself.

Module 5: How to Find Deals and "Lock It Up"

Module 5 is about the other half of creating a deal funnel: finding those good investment deals on your own. In fact we’ve found over ¼ of our properties ourselves by using the strategies we teach. In this module, we show you which apps and online resources we personally use to evaluate deals and how to use them.

 
Whether you’re finding your own deals or evaluating deals brought to you by your agents, you absolutely need to understand how to accurately evaluate them and find what we call “hidden value” so you can really make your rentals cashflow!

 
You’ll also learn how to “lock up” a deal. “Lock it up” is a critical strategy for buying investment properties. Many new investors don’t understand this step because they’ve only been through the purchase process of buying their own home. The result? They treat buying an investment property the same way—and lose out on countless great deals because of it.

Module 6: Due Diligence

Once you’ve locked up a property and have a purchase and sale agreement, you only have a few weeks to do your due diligence: an inspection, a contractor walk-through, getting your property manager on board, etc.

 
In Module 6 you’ll learn how to do that so you can negotiate the best price for buying the property and most importantly, reduce your risk by understanding the potential landmines that can blow up a deal.

You also get access to:

  • Weekly “office hours” with the ZTF coaches for each week of the live course! For two hours every week, one of the ZTF coaches will be available for you to talk to live about any of your questions about the course or your progress.
  • An opportunity to be matched with another student in the course to be your Accountability Buddy! As Accountability Buddies, you’ll help each other stay on track, clear roadblocks, provide a reliable and honest soundboard—and celebrate your successes all throughout the course. (This isn’t required, but we find it helps students go farther.)
  • Virtual weekly mixers where you’ll be able to connect live with your fellow ZTF students for an hour of community and casual conversation. Hear from the other students about their progress, and get inspired by their wins, learn from their challenges, and get (and give) peer-to-peer support.
  • A members-only Facebook group where students can connect with other high-income investors, and share advice and experiences to help students navigate the inevitable (yet manageable) obstacles that pop up along the way.
  • And once the live part of the course is over, you get free 60-day access to Empire Builders, our membership site for Zero to Freedom alumni to continue their education and have access to our support.


Evergreen components:

  • Our exclusive network of more than 200 experienced investor agents. Investor agents are hard to find. This saves our students hundreds of hours searching for knowledgeable agents who can bring them off-market deals.
  • Our network of trusted financial people: commercial and residential lenders, CPAs and tax accountants, insurance brokers, asset managers, bookkeepers, and people who specialize in cost segregation and 1031 exchanges. Many of these are people we've worked with ourselves to achieve financial freedom in less than 5 years.

By the end of the course, you will:

Know the difference between a good investment property and a bad one—so you can make sound investment decisions.
Understand how to check and verify the numbers so you can account for market rents, property management costs, vacancy rates, rehab costs, and more—so you can accurately pre-determine your cashflow and decide if you want to move forward with a purchase.
Have the right team in place—so they can help ensure your properties are making money for you.
Get access to investor agents who will bring you good on- and off-market deals—so you don’t always have to search for them yourself.
Be able to implement key tax strategies—so you can reap great savings and in some cases, pay zero in income taxes.
Most importantly, you’ll have the confidence you need to know what in the heck you’re doing.

Hear from our students about what they learned during the course!

If you purchased our Zero to Freedom Through Cashflowing Rentals course (the “Course”), you are eligible for a full refund of your payment for the Course if you provide written notice at support@semiretiredmd.com within twenty-one (21) days of the release of module 1 of the Course.


Meet the semi-retired physicians who said hello to real estate and playing it smart... and now we're teaching everything we know to you.
Hi, we're Kenji Asakura MD and Letizia Alto MD.
About 7 years ago, we were newlyweds working as full-time hospitalists.

We began our medical journeys separately: Kenji went to the University of Pennsylvania for undergrad, and Johns Hopkins University for medical school; Letizia went to Hamilton College for undergrad, and the University of Vermont for medical school. But we met in Seattle at Swedish Hospital.


Despite having worked for several years already, we had very little savings. And our work schedules meant sometimes, we barely saw each other.

 
We were on a treadmill, getting nowhere fast. But we desperately wanted to take back our power and freedom—and reclaim ownership of our time.


So we asked ourselves:
What could our future look like, if there were no limitations?
➞ How would we spend our time?
➞ Who would we spend that time with?


We were excited by the possibilities before us. But we quickly realized our hospitalist positions would never help us achieve our dreams while we were still young.


That was the hitch: we didn’t want to wait. Those other tried-and-true strategies of saving money aggressively, working even more shifts, and pouring our money into stock market accounts would get us to financial freedom...in 20+ years.


Instead, we decided we’d achieve financial freedom in less than 5 years.


In reality? We did it even faster than that.
How did we do that?

We bought single family homes and small multi-family properties with “hidden value” at the right price and made them cashflow significant amounts while taking advantage of real estate professional tax status.

 
(Not sure what those words mean? Don’t worry, you will soon. Because we know you’ll want to enroll in our course.)

 
As the cash flowed in, we started to make significant changes to our lives:

  • Kenji cut back on his hospitalist position to half time (and then transitioned to being a moonlighter) so he could manage our real estate portfolio.​
  • Leti still wanted to work as a physician, and did so for several years after achieving financial freedom. Now she’s a moonlighter, too. (Yes, you can still practice medicine if you want to! But you can do it on your own terms. *Ahhh.*)
  • We’ve replaced our combined income through a combination of tax-free cashflow, tax savings, and debt paydown that come from the 87 units we own (and we’re under contract currently for 42 more).
  • We’ve gotten to travel so much more, and we bring our children. Our 5-year-old has been to 26 states and 23 countries. Our almost-3-year-old has been to 12 states and 12 countries. And our newborn is just itching to go abroad! Or maybe that’s just us after putting so much travel on hold because of the pandemic.

If you don't find a way to make money when you sleep, you will work until you die.
-Warren Buffett

Is Zero to Freedom right for you?

It IS right for you if:

You don’t just want to contemplate investing in real estate. You actually want to do it.
You’re a leader who recognizes opportunities to improve your life...and seizes them.
 You are really, really motivated to cut back or quit your job in the next 5 years (or less).
 The idea of paying very little (or even zero) taxes makes you swoon.
 You love real estate...or, you are open to learning to love real estate because it’s the only way to achieve financial freedom as fast as possible (AKA Fast FIRE, if you know the lingo).
 You’re open to the idea of becoming an entrepreneur who does work to run an investment business.
 Someone in your family is a stay-at-home parent OR works half-time or less, so they have time to work on your business.
 You’re someone who doesn’t quit when inevitable challenges arise.

 Technology, apps, and digital learning are easy for you—or, you’re eager and willing to learn!

It is NOT right for you if:

 You need more time to decide if investing in real estate is something you really want to do.
You’d prefer to keep working only as a full-time physician.
You’re not interested in achieving financial freedom quickly.
You’re aren’t interested in trying something completely different.
You don’t really want to run a business—not even part-time.
You erroneously believe that it's easier to be only a W-2 employee.
You enjoy paying a significant amount of your salary in taxes.
Challenges completely overwhelm you and you struggle to bounce back.
 You’re not comfortable using technology and apps and you’re not willing to try.


5 Reasons Why a “Hot” Real Estate Market Should NOT Stop You

Maybe you’re sold on the idea of creating another revenue stream...but not so sure you should part with so much cash when the market is hot. What about when the (inevitable) crash happens? Will you be able to find deals...or will you be forced to pay too much? Is it worth spending the time to learn how to do so right now...or should you wait?


The truth is: no matter how the market is behaving, it is always the right time to start investing in real estate. Now is the time to secure the killer cashflowing properties that will help you reach your long-term goals. Here are 5 reasons why. 


A hot market does not mean there are no deals. There are always deals to be found! Real estate properties are not always listed correctly (for example, one of our students found a listing for a single family home that turned out to be a tri-plex!) which means opportunities for hidden value that can drive up the value of the home. Knowing how to use a cash-on-cash (COC) calculator will help you evaluate deals wisely...and prevent you from paying too much for a property. 


No one can predict when the inevitable crash will happen. For example, in 2015, “experts” were predicting the crash that year— and it didn’t actually happen for another 4 years! That would have been 4 years of explosive growth we missed out on. If you buy the right types of properties, you might even be able to increase your rents. People will always need a place to live, and if you buy the types of properties we teach about in Zero to Freedom, the crash may not hurt you—and it might even help. 


Make the power of compounding work for you now, not later. Most of us have seen the graphs that show what happens to retirement accounts if you start socking away money at age 22 (right out of college) vs. age 29 (right out of residency). The 7-year gap makes a huge difference because of the power of compounding. But with real estate investing, the return averages can be much higher. (For us, they’re usually >25% a year.) So waiting to invest means missing out on some serious money. 


Get access to tax benefits sooner. If you want to claim Real Estate Professional Status (REPS), it can take time to be able to do so. In brief, REPS is a tax designation that can enable you to shelter active income so you can end up paying less income taxes. However, it can take time to achieve REPS. If it takes you a year or two to be able to do so, there’s significant value in starting today! 


Even if you don’t start buying properties immediately, get your education and build your investing team now, so you can jump on opportunities during the downturn. The market is usually flooded with deals during a downturn—and you want to be able to jump on them. This is your opportunity to get the knowledge you need and set up your investing team so you can jump on them. Contrary to what you might think—downturns are when wealth is made. Without the knowledge and the team to invest, you’ll lose time and opportunities to get those deals.


Frequently Asked Questions
  • What is the course structure? How does this whole thing work? Do I have to show up for live classes?
    The Zero to Freedom course is hosted on the Kajabi platform. When you enroll, you’ll be sent a login and password to the course, where you’ll get immediate access to the full pre-course module. After that, you’ll be given access to one module per week— they’re dripped out so that everyone in the class goes through it together! There are 6 main modules. Each module consists of short, pre-recorded video lessons accompanied by useful downloadable resources like worksheets and interview guides. Because the video lessons are pre-recorded, you can watch them whenever you have time.

    After we release each module, we hold a live Q&A session where you can get answers to your questions about the module, etc. If you can’t attend, no worries! The recording will be uploaded to the course. Finally, we will also be available to answer questions in our private class Facebook community group. After the 7-week course, the Facebook group will be archived. You won’t be able to post in the group after that, but you will be able to search the group for information.

    You will have lifetime access to the modules, and you’ll get yearly updates as the content is updated.
  • How many hours a week do I need to commit to taking the course? I have a busy physician schedule and I’m not sure if I have time.
    Our students typically spend 2-4 hours per week. However, don’t let that scare you. Here’s why.

    We ourselves have 3 kids. We have clinical responsibilities. We run *two* businesses—SRMD, and our real estate business.

    Just like you, our time is at a premium. So we know a thing or two about juggling responsibilities while taking on something new.

    So, we’re confident this course is doable for you. Here's why.

    1) One of the secrets of our success is breaking down any goal into smaller tasks that can be accomplished in 20-30 minutes. We designed our course using this principle. The videos and homework assignments can be completed in those pockets of free time everyone has.

    None of it requires a full day of work like you spend in the hospital or day job.

    In fact, many 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!”

    2) In addition, you normally have a full week in between modules to do your homework assignments.

    3) But we know you might get behind. Don’t worry, you’ll have life-time access to this course, including future updates to the course material. So you can catch up whenever you have time.
  • What if I can't make it to one of the live Q&As?
    Don’t worry, we’ve got you covered. Our Q&A sessions are recorded so you can view them when you have time. Also, the course comes with a private Facebook group where you can post your questions and get them answered by us, one of our experienced student coaches, or by another member of the community.
  • What happens if I get behind? Will I lose access to the course?
    If you get behind, don’t worry, you have life-time access to this course! So you can catch up whenever you have time. You’ll also have access to all future updates we make to the course material. Finally, once the live part of the course has finished, you’ll get free access to our membership community, Empire Builders, for 60 days.
  • Can my spouse take the course and join the community 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 we know you'll be far more successful when you have their support!

    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 have them fill out the Facebook questions and list you as their partner!
  • What is Fast FIRE?
    Fast FIRE (Financial Independence, Retire Early) is all about getting to financial freedom as fast as possible... while you're young enough to still really enjoy it

    You all know that stock market investing isn't going to get you to semi-retirement in 5 years. But investing in cashflowing rentals can.

    We've done it. We’ve helped our friends do it. We’ve helped our students do it. Will you let us help you do it, too?

    With the right knowledge, community, mentorship and determination, you can change your life using cashflowing rentals.

    Still not convinced? Read and watch the student testimonials.
  • Can I get CME for this course?
    Unfortunately, we are no longer able to offer CME for this course.

Of course, there are alternatives to taking our class.

You don’t have to enroll in Zero to Freedom in order to achieve financial freedom. Instead, you could:


  • Do it for “free” (and spend maybe 10-20 years doing the wrong things): There is no end to the number of blog posts, books, and other information you can read to learn how to do this yourself. If you have the time to spend, more power to you. But we can guarantee you will make mistakes along the way, and they’ll be costly: for example, if you buy the wrong duplex, it could cost you $200,000 (or more).
  • Take a different real estate course ($30,000 or more): Like we said, there are plenty of other real estate courses out there. They may even suck you in with a free seminar. But, surprise! There’s a sales pitch at the end, with a required investment of $30,000 or more…did we mention how much time you’ll spend learning information that doesn’t apply to a high-income earner like you?
  • Keep plugging away with stock market investing (and lose 7300 days of your life): Again, this strategy works, but it will take 20+ years to see it pay off. How old will you be by the time you achieve financial freedom? And are you really willing to push everyone and everything you care about into the corners of those 7300 days?


Or, you could take Zero to Freedom—and have the chance to achieve financial freedom in less than 5 years, without spending a dime more than you have to.


Ultimately, this isn't just about financial freedom.
This is about TIME freedom.

Time is the only thing you can truly never get more of. Once time is gone, it's gone forever.


Do you want to spend your waking hours at a job? Or do you want to have that time for yourself, your family, and all the things this world and this life have to offer?


* Semi-Retired MD’s websites may contain information regarding the historical investment performance of Semi-Retired MD’s owners, and/or testimonials of students depicting results that are believed to be true based on representations of the persons voluntarily providing the testimonials. Semi-Retired MD has made the best effort to accurately represent our products and services and their educational value. However, students’ results have not been tracked, and past performance is not necessarily indicative of future results or representative of the average experience. We are showcasing exceptional results, and you should not rely on any such past results as any kind of promise, guarantee, or expectation of any level of success or earnings. Your results will be determined by a number of factors over which we have no control, such as your risk mitigation practices, financial condition, investment preferences, experiences, skills, level of effort, education, market dynamics, and luck. Examples of actual results can be verified upon request. For further information, please read our Terms of Use and Disclaimer, or contact us here.


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Zero to Freedom through Cashflowing Rentals$3199

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