The Best “Early Retirement” Strategy 99% of Investors Ignore

BiggerPockets Real Estate Podcast

BiggerPockets

Education, Business, Investing

4.8 • 16.5K Ratings

🗓️ 11 June 2025

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

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Summary

Want to retire early? What about early retirement AND making millions of dollars tax-free? Only one real estate investing strategy gives you the ability to do both, but 99% of investors won’t try it. Why? We don’t know because today’s two guests, as well as Dave, are all using this investing strategy in 2025 to make a killing on their real estate deals. It’s not house hacking, it’s not medium-term rentals, and it’s not private lending—it’s live-in flipping. Never heard of live-in flipping? There’s a good reason—nobody is doing it, even though it boasts the biggest benefits of almost any real estate strategy out there. This method enabled Mindy Jensen to accumulate millions of dollars in net worth by her early 50s, much of which was tax-free. The same strategy is being used by Ashley Kehr and Dave to make hundreds of thousands of dollars in profit simply by buying a house, fixing it up while living in it, and reselling it. How does this get you to early retirement? Simple: you make hundreds of thousands tax-free, more than what your job might pay you over several years, dramatically boosting your bank account and allowing your investments to multiply way faster. Anyone can do it—whether you’re single, have a partner, or kids—and the benefits are unbeatable. Wanna know how to start? Mindy, the expert on live-in flips, is sharing her secrets in today’s episode. In This Episode We Cover Live-in flipping 101, the best real estate strategy for tax-free millions What type of house makes the best live-in flip (with the highest profits) What level of renovation to put into the house (DON’T pick your favorite upgrades) Tips to keep your family comfortable while live-in flipping, especially if you have kids Financing a live-in flip and one easy way to get a lower interest rate And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1133 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This overlooked real estate strategy can put you on the path to early retirement with millions of dollars in the bank.
0:07.6	Both of today's guests and I are all doing it right now.
0:11.7	Spoiler, it's not traditional house hacking.
0:14.4	In this episode, we'll break down how to add huge value to your portfolio, all tax-free.
0:26.0	Hey, everyone. I'm Dave Meyer, head of real estate investing at Bigger Pockets.
0:29.2	I've been buying rental properties for 15 years, and now I'm teaching you how to secure
0:34.3	your financial future too.
0:36.7	Today, we're talking about a strategy called the
0:39.7	live-in flip. It's not exactly house hacking. It's not exactly house flipping, but it combines
0:46.5	the best elements of each, provides huge tax-free returns, and can be less disruptive to your
0:52.7	day-to-day life than you might think. I'm personally
0:55.6	going to start working on a live-in flip in the next couple of weeks, and I was talking about it
1:00.4	with my colleagues at Bigger Pockets, and two of them are doing the same, so they're joining me on
1:05.3	the show today to talk about them. Ashley, Care, how are you? Good. Thanks so much for having me on today. Absolutely. Is this
1:13.7	your first live and flip? Yes, it is. Okay, mine too. But we also have Mindy Jensen on. And Mindy,
1:21.4	welcome to the show first and foremost. Thank you, Dave. It's lovely to see you. Hi, Ashley.
1:25.6	Hi. Now, show us up, Mindy. How many live and flips have you done?
1:29.1	I am in my 10th. Okay. Yes. So this is just going to be Ashley and I asking you for personal advice this entire time then.
1:38.2	All right, let's get into it. First and foremost, let's define what a livein flip is for anyone who doesn't already know.
1:45.2	Live-in-flip is basically when you live in a house, you renovate it, and then you sell it.
1:49.6	So it basically combines your primary residence with a flip.
1:53.6	And this might sound really obvious or maybe not even like an investment, but there are a couple
	...

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