Enrollment closes Sunday, September 27 at midnight ET • Cohort starts Monday, September 28 curriculum • FAQ
BONUS: Enroll today and get the AI Investors Edge call with Kenji.
For doctors and their partners • Live cohort starts Monday, September 28
Build income outside medicine,
so you get to choose how much medicine you practice.
Zero to Freedom is a 7-week live cohort taught by two physicians who own 185+ units.
You’ll choose your market, build your team, and analyze real deals, and many students are making offers by Week 4.
Along the way, you’ll learn the tax strategies that make real estate income work harder for you, planned with your CPA.
Not sure yet? Talk to our team.
as seen in
You've already done the hard part. You trained for years and built a career most people never will.
Maybe a bigger paycheck hasn’t made you feel more free. Maybe you’d like to work less someday but aren’t sure how you’d replace a physician’s income. Maybe you’ve heard real estate can lower your taxes, or you’ve been meaning to buy a rental for years.
If any of that sounds familiar, you’re in good company. Most of the 4,500+ doctors we’ve taught started right there. What they needed wasn’t more information. It was a plan built for a doctor’s schedule, income, and tax situation, and people to walk it with them.
Right now, your income depends on your hours. When you stop working, it stops. Owning cashflowing rentals changes that.
That’s the Fast FIRE System, and here’s why it works so well for doctors.
A W-2 dollar and a rental dollar are taxed completely differently — and almost none of that difference favors the employee. Depreciation, REPS, the short-term-rental loophole: those aren’t loopholes for the rich, they’re the same incentives available to anyone who owns real estate, coordinated with a CPA. You’ve just never been shown how to use them.
Freedom ≠ quitting medicine (unless you want to). It means options.
- Keep more of what you earn with legal tax strategies — depreciation, REPS, the short-term-rental loophole, coordinated with your CPA.
- Control your paycheck instead of administrators controlling it.
- Get reliable monthly cashflow, clinic or no clinic.
- Buy back your time — fewer shifts, longer breaks, being there for dinners and school functions.
- Build lasting assets your family benefits from for decades.
Some doctors stop at a handful of doors, because that’s all they wanted. Others scale to dozens of units and multiple six figures in cashflow. The beauty is you get to decide how far you take it.
Not sure yet? Talk to our team.
Freedom ≠ quitting medicine (unless you want to). It means options.
- Keep more of what you earn with legal tax strategies — depreciation, REPS, the short-term-rental loophole, coordinated with your CPA.
- Control your paycheck instead of administrators controlling it.
- Get reliable monthly cashflow, clinic or no clinic.
- Buy back your time — fewer shifts, longer breaks, being there for dinners and school functions.
- Build lasting assets your family benefits from for decades.
Some doctors stop at a handful of doors, because that’s all they wanted. Others scale to dozens of units and multiple six figures in cashflow. The beauty is you get to decide how far you take it.
Not sure yet? Talk to our team.
Real estate pays you differently — six ways at once, on the same property.
You’ve been taught that building wealth means maxing out your 401(k) and waiting decades to retire comfortably. That works. It’s just slow, fully taxed, and out of your control.
Rent from day one, whether or not you showed up at the hospital.
Your tenants retire the mortgage for you.
Buying below market value through negotiation, off-market deals, and moving faster than the competition. Most new investors have never heard of this one.
A rehab, better management, or an added unit raises the value on your timeline, not the market’s.
Depreciation, cost segregation, REPS, and the short-term-rental loophole, coordinated with your CPA.
Can be substantial, but it’s the only one of the six you don’t control.
A property purchased for $248,000 appraised for $440,000 a few months later. Refinanced to $0 left in the deal. First-year cashflow: $30,000. First-year tax shelter: $100,000. Total first-year return: over $250,000. One property.
Hand that same capital to a syndicator or an index fund, and most of these six stay with someone else. Own the property yourself, and they’re all yours.
Doctors like you are already doing this.
She started with zero real estate experience. Six months later, she owned 30 doors.
One story, in full: Dr. Weilan J., Dermatologist.
Before Zero to Freedom, Weilan had zero real estate experience — hadn’t read a book on it, taken a course, or been part of a community. She was working as a dermatologist, raising two young kids with her firefighter husband, wondering if freedom really had to wait until 60.
The first shift wasn’t a tactic — it was mindset, the See the Money stage of the Fast FIRE System. In her words: “The number one thing I learned from Zero to Freedom is that if you can manage your mind, you can do anything.”
Then she put Make the Money to work. Using the negotiating strategy we teach, she took $200,000 off the purchase price of her very first deal — 20% under asking. That’s immediate appreciation, in action, on a real deal.
Six months later: 30 doors. About $200,000 a year in cash flow. She’s since cut back to two days a week.
“After taking Zero to Freedom, I went from no real estate knowledge and 0 to 30 units in 6 months. I negotiated $200,000 off my first deal and now bring in about $200,000 a year in cash flow.”
— Dr. Weilan J., Dermatologist
Dermatologist
negotiated off her first deal
a year in cash flow
a week
What 4,500+ doctors have built with Zero to Freedom
Drs. Kevin J. (Pediatric Neurologist) & Heather K-J. (OB/GYN)
12-unit complex cashflowing $5K/month, $100K tax refund, net worth up $1.5M
Dr. Kristina K. (Pediatric Intensivist & Emergency Medicine) & Mario M. (Real Estate Professional)
six figures in cash flow and six figures in tax savings within 12 months; now 37 doors
Dr. Christina T. (Emergency Medicine)
25+ long-term units across five markets plus 3 short-term rentals, $2M in forced appreciation, $250K a year in cash flow
Regan & Rachel B.
10 to 66 doors in 12 months, over $100K annual cash flow
Billy C. (Urologist) & Becky L. (OB/GYN)
close to six figures in cash flow and six figures in tax savings in under 12 months
Drs. Rafal S. (Anesthesia) & Jennifer F. (Family Medicine)
50 long-term doors, 3 short-term rentals, and a medical office; six figures sheltered in taxes each year
Dr. Alisa C. (Pediatric GI)
full-time medical director with four kids; 6 short-term rentals and 4 long-term doors in her first three years
Larry D. (Radiation Oncologist)
139 units within 2.5 years, replaced his clinical income
“We wrote off my entire 2025 W-2 tax bill. We have one STR, and more are being worked on.”
— Michael K., Doctor
Why Zero to Freedom is different
You may have already read the books, listened to the podcasts, or put money into a syndication. Zero to Freedom is built to close the gap between learning about real estate and owning it.
- Built by doctors, for doctors. We built our portfolio while working as full-time hospitalists. Every lesson assumes a doctor's schedule, income, and tax bracket.
- Taught live this cohort. For the first time, we're teaching live every week, 1.5 hours with us, covering current market conditions, the latest shifts and trends, and what we're doing right now in our own portfolio.
- Done with you, not just taught to you. Warm intros to our vetted agents, lenders, insurance brokers, and CPAs, so your team can be in place by Week 4.
- Tax strategy built in. Depreciation, REPS, and the short-term-rental loophole, covered in enough depth to plan with your CPA.
- A room of doctors who are buying. Coaches who actively invest, office hours almost every weekday, and peers on the same timeline as you.
Not sure yet? Talk to our team.
Why Zero to Freedom is different
You may have already read the books, listened to the podcasts, or put money into a syndication. Zero to Freedom is built to close the gap between learning about real estate and owning it.
- Built by doctors, for doctors. We built our portfolio while working as full-time hospitalists. Every lesson assumes a doctor's schedule, income, and tax bracket.
- Taught live this cohort. For the first time, we're teaching live every week, 1.5 hours with us, covering current market conditions, the latest shifts and trends, and what we're doing right now in our own portfolio.
- Done with you, not just taught to you. Warm intros to our vetted agents, lenders, insurance brokers, and CPAs, so your team can be in place by Week 4.
- Tax strategy built in. Depreciation, REPS, and the short-term-rental loophole, covered in enough depth to plan with your CPA.
- A room of doctors who are buying. Coaches who actively invest, office hours almost every weekday, and peers on the same timeline as you.
Not sure yet? Talk to our team.
Seven weeks, in order — from pre-approval to your first offer.
Live sessions run Tuesdays and Thursdays, starting Monday, September 28. Every session is recorded, so a busy week in clinic doesn’t set you back.
PRE-COURSE
Set the foundation
Choose your one target market, get pre-approved, and plug into the community and tools.
WEEK 1
Mindset
Live with us. Set your goals, work through the inner obstacles that stop most doctors from acting, and learn what makes a strong, cashflowing deal.
WEEK 2
Strategy
Live with us. Learn the Core Acquisition Strategy — the one strategy you master before any others make sense — and start building your team.
WEEK 3
Team
Live with us. Identify and vet your property manager and contractor, and get a game plan for learning your market in depth.
WEEK 4
Deal Funnel
Live with us. Connect with investor agents in our vetted network so you have a steady flow of real deals, not whatever you can grab.
WEEK 5
Finding Deals
Live with us. Learn to source deals yourself and spot the “hidden value” others miss.
WEEK 6
Due Diligence & Negotiation
Live with us. Verify the numbers, evaluate the property, and negotiate like a pro.
WEEK 7
Bonus Module
Short-term rentals, bookkeeping, and your 90-day plan to scale.
Most students spend 2–4 hours a week. Every live session is recorded, so missing one doesn’t mean falling out.
By the end of ZTF, you’ll have chosen a market, built a team, analyzed real deals, and — for many students — sent your first offer.
Not sure yet? Talk to our team.
What you’ll walk away with:
You’re not buying seven weeks of lessons. Here’s what you’ll have when the cohort ends:
- A target market, chosen with real data
- A financing plan matched to your capital, including lower-down-payment options
- Your team in place: investor agent, lender, insurance broker, property manager, and CPA
- The skill to analyze a deal quickly, plus real deals you've already run the numbers on
- Offers submitted on real properties (many students send their first by Week 4)
- A plan for properties #2 to #5, and a path to replace your clinical income in years, not decades, if that's your goal
Not sure yet? Talk to our team.
What you’ll walk away with:
You’re not buying seven weeks of lessons. Here’s what you’ll have when the cohort ends:
- A target market, chosen with real data
- A financing plan matched to your capital, including lower-down-payment options
- Your team in place: investor agent, lender, insurance broker, property manager, and CPA
- The skill to analyze a deal quickly, plus real deals you've already run the numbers on
- Offers submitted on real properties (many students send their first by Week 4)
- A plan for properties #2 to #5, and a path to replace your clinical income in years, not decades, if that's your goal
Not sure yet? Talk to our team.
By Week 4, you could be making offers on real properties.
Seven weeks from now, you can have your market, your team, and offers out, alongside a room of doctors doing the same thing. Here’s everything that comes with your seat. Your spouse or partner enrolls free in either option.
Purchased a 12-unit complex that are cashflowing $5K/month and secured a $100K tax refund. Increased net worth by $1.5 million.
Kevin J., and Heather K-J.
Made close to six figures in cashflow and saved six figures in taxes in less than 12 months.
Billy & Becky
Went from 10 to 66 doors in 12 months, surpassed $100K annual cashflow.
Regan & Rachel B.
Kristina and Mario used the playbook to save six figures in taxes their first year.
Kristina & Mario M.
Join Zero to Freedom
There are two ways to work with us.
Zero to Freedom Live Cohort
$7,500, or 2 payments of $3,750
Seven weeks, taught live.
The full Zero to Freedom curriculum, weekly live teaching and live Q&As with us, open office hours with four ZTF coaches, and our vetted network of agents, lenders, CPAs, and insurance partners.
Everything you need to choose a market, build your team, and get your first offers in, alongside a room of peers on the same timeline.
Not sure yet? Talk to our team.
Covered by our Clear-Path Guarantee.
Do the Week 1 to 3 work and still don't see a clear path to your first deal? We'll refund your tuition in full. See the details.
ZERO TO FREEDOM + 1:1 WITH KENJI
$25,000 • 5 seats
Seven weeks, taught live. The full Zero to Freedom curriculum, weekly live teaching and live Q&As with us, open office hours with four ZTF coaches, and our vetted network of agents, lenders, CPAs, and insurance partners.
Everything you need to choose a market, build your team, and get your first offers in, alongside a room of peers on the same timeline.
PLUS 1:1 sessions with Kenji. A total of nine 45-minute sessions over three months.
Not sure yet? Talk to our team.
Enrollment closes Sunday, September 27 at midnight ET • Cohort starts Monday, September 28
Live Cohort
Live Cohort + 1:1 with Kenji
$7,500, or 2 payments of $3,750
$25,000
5 seats
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BONUS: Enroll today and get the AI Investors Edge call with Kenji: a 2-hour live session on Wednesday, October 28 at 3 PM ET covering the exact AI tools and workflows we’re using to analyze deals and move faster.
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BONUS: Enroll by 11:59 PM ET Wednesday, September 23 and join us for a full day in person, January 23 in Scottsdale, Arizona.
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A total of 9 45-minute 1:1 sessions with Kenji over 3 months
- Yes
We'd rather you leave clear than stay unsure.
By the end of Week 3 of your cohort — if you’ve done the work — you’ll either have a clear path to buying your first cashflowing property, or you get your tuition back.
“Done the work” means, specifically:
- You've attended, or watched the recording of, the live Week 1, Week 2, and Week 3 sessions.
- You've completed at least three deal analyses using the cash-on-cash calculator.
- You've joined at least one coach's open office hours.
Three weeks. That’s the test.
If you’ve done that and still can’t see a clear path to your first deal, email support@semiretiredmd.com. We’ll refund your tuition in full. No forms, no guilt trip.
(Based on 4,500+ alumni, the overwhelmingly likely outcome is that you do see the path, and we’re there for the rest of the cohort helping you walk it.)
1:1 with Kenji. There are only 5 seats, and taking one means it’s gone. 1:1 with Kenji enrollment is final and non-refundable.
We're Letizia Alto, M.D. & Kenji Asakura, M.D.
Years ago, we were full-time hospitalists, newly married, clocking 80+ hour weeks — high income, low savings, six figures in taxes, and zero freedom.
We decided “more hours” wasn’t the answer. A camper van trip through New Zealand confirmed it. We learned to buy income-producing rentals, hunted for hidden value in fixer-uppers, and used legal tax strategies so our money actually stayed ours. In about three years, our rental income covered our life. We paid $0 in federal income tax for seven consecutive years, using the same strategies we now teach. Medicine became a choice.
Today we own 185+ units across multiple states, still invest actively, and have taught 4,500+ doctors to do this the same way. Zero to Freedom is the exact playbook we wish we’d had — and the team to execute it.
Not sure yet? Talk to our team.
Who this is for — and who it isn't.
It's right for you if:
It's not right for you if:
You’d like the option to cut back or stop clinical work in the next 5 years or so.
Legally paying less in taxes appeals to you.
We tell you this up front because we want the cohort to be the right fit — not just the next sale.
Who this is for — and who it isn't.
It's right for you if:
- You'd like the option to cut back or stop clinical work in the next 5 years or so.
- Legally paying less in taxes appeals to you.
- You're open to running an investment business, even part-time.
- You want a done-with-you team and a plan, not trial and error.
It's not right for you if:
- You're happy working full-time in medicine with no change.
- You want fully passive exposure with no involvement. Check out our sister company, Fast FIRE Capital, instead.
- You don't want to run a business, even part-time.
We tell you this up front because we want the cohort to be the right fit — not just the next sale.
You’ve already done the hard part.
You built the career. Now let us show you how to make that income work differently. In seven weeks, you can have your market, your team, and a clear plan for your first property, with us beside you every week.
Two ways in:
ZERO TO FREEDOM LIVE
$7,500, or 2 payments of $3,750
7 weeks, taught live by us
Our vetted agent, lender, and CPA network
Live teaching, live Q&As with us
Live office hours with our Zero to Freedom coaches
Lifetime access to the Zero to Freedom curriculum
Not sure yet? Talk to our team.
ZERO TO FREEDOM + 1:1 WITH KENJI
$25,000
7 weeks, taught live by us
Our vetted agent, lender, and CPA network
Live teaching, live Q&As with us
Live office hours with our Zero to Freedom coaches
Lifetime access to the Zero to Freedom curriculum
1:1 sessions with Kenji. A total of nine 45-minute sessions over three months.
Not sure yet? Talk to our team.
Covered by our Clear-Path Guarantee.
Do the Week 1 to 3 work and still don't see a clear path to your first deal? We'll refund your tuition in full.
P.S. You’ve done harder things with less sleep. We’ll give you the checklists, calculators, and coaching — all you have to do is implement the blueprint.
Enrollment closes Sunday, September 27 at midnight ET • Cohort starts Monday, September 28
The things doctors actually ask us
before enrolling.
"When are the live sessions?"
The cohort starts Monday, September 28. Live sessions run on Tuesdays and Thursdays, on a weekly rhythm you can plan around. Every session is recorded and posted, so if you’re on call or in clinic that week, you don’t fall behind.
"Can I talk to someone before I decide?"
Yes. If you’d like to talk to a member of our team you can book a call here.
"How much can I actually save on taxes?"
It depends on your income, your household, and how active you become in your portfolio — coordinated with your CPA, we’re not going to promise you a number. What we can tell you: ZTF alumni have used REPS and the short-term-rental loophole to pull a $100,500 refund from a single 12-unit purchase, and in at least one case, wipe out an entire year’s W-2 tax bill. Our own tax strategy paid us $0 in federal income tax for seven consecutive years.
The tax bonus module walks you through depreciation, REPS, and the STR loophole in enough depth to have a real conversation with your CPA about which one fits your situation.
"I don't have enough money to start."
Most lenders want 20–25% down on an investment property, plus 3–5% for closing costs and reserves. But that’s not the only path in: Raf and Jen bought a $340,000 six-unit for just $6,000 down using creative financing, then raised rents within months. We teach the standard route and the creative-financing route side by side, so we build the plan that fits your actual capital, not a one-size number.
"Interest rates are too high — it's not the right time to buy."
If a deal works at today’s rate, it usually gets better later. Rates are higher than the rock-bottom numbers from a couple of years ago, but historically average, and trending down. Zero to Freedom teaches you to find properties that cashflow at today’s rates — smart investors don’t wait for perfect conditions.
"It's a seller's market — I'll never find good deals."
Yes, sellers currently have the upper hand — which makes this the right time to learn. We show you how to build a steady funnel of off-market deals, spot hidden-value properties others overlook, and lock up deals before they hit the MLS. If you only learn when it’s easy, you won’t be ready when it counts.
"What if there's a recession?"
Recessions are when the biggest fortunes in real estate get made — prices soften, distressed sellers appear, and prepared investors scoop up the best deals. Zero to Freedom teaches a recession-resistant strategy built around B- and C-class multifamily: stable housing people need in any economy.
"I should probably keep researching before I commit."
That instinct is normal, and it’s also the trap. Most doctors who eventually invest spend two to three years in this exact holding pattern. You don’t need more research — you need a system and a deadline. 75% of our students start with zero real estate experience. You don’t need to prepare for the course that prepares you.
"I don't have time for one more thing."
Most students spend 2–4 hours a week working through the Zero to Freedom course work. Live sessions run on a rhythm you can plan around, and every one is recorded if you can’t make it. We built this course while raising three kids and running a real estate business ourselves — we know a thing or two about juggling.
"Do I have to manage tenants at 2am?"
No. You hire a property manager — we teach you how to vet one and set expectations. Most Zero To Freedom students never directly manage a tenant.
"Can my spouse take the course too?"
Yes — at no additional charge. We call it the “kiss-test” rule: any long-term partner or spouse is welcome in the course and the Facebook community alongside you, because you’ll be more successful with their support.
"Do I have to be a doctor to join?"
No. About 20% of our students are other high-income professionals — attorneys, executives, CPAs, tech leaders — who want a playbook built for high earners, not bootstrap tactics.
Earnings Disclaimer: Semi-Retired MD LLC and/or Taikun LLC websites may contain information regarding historical investment performance and student testimonials believed to be true based on the students’ own representations. Results have not been independently tracked, and past performance is not indicative of future results. We are showcasing exceptional outcomes; your results depend on factors we don’t control, including your risk mitigation practices, financial condition, experience, effort, and market conditions.
