Create more monthly income...without working more clinical hours

Discover the strategy that puts more money in your pocket every month—and then learn the entire process, step by step, for making this strategy work for you.










For physicians, 2020 has been a huge financial wake-up call.

The coronavirus pandemic is & has been an all-out war....and even though there are promising vaccines on the horizon, the end is still months (or even a year) away.

📣 The pandemic is surging, again.
📣 Hospitals are filling up, again.
📣 So your hospital administrators are requiring that you work 80-hour shifts, again.
📣 And despite all those hours, they may have to cut your pay, again.

On the flip side, if you’re not on the front lines, your pay may have been cut too. Many physicians were furloughed. Surgeons had to postpone elective surgeries. If you own a private practice, you may have had to close your offices in the spring.

So if your personal finances are hurting? You’re not alone.

COVID-19 has taught us many things. But the biggest lesson has been: not even physicians can count on their jobs for money.

The truth is, the medical system was broken even before the pandemic hit, and you can’t ignore it anymore.

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 were becoming the norm. And being on call more than once a week? Status quo.

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.

Do you really want to go on working like this forever?

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 this 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.

Instead, you can become financially free while you’re still young enough to enjoy it.

Yes, you can really do that! You just need a significant, reliable source of income that doesn’t require you to work 60 hours a week. Does such a thing really exist? It does. 


And it’s called: investing in cashflowing rentals. 

Fact: Investing in real estate can bring in returns of 25% or more per year. 


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 or 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? 




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 8 weeks


Zero to Freedom is a hands-on 8-week course for physicians and high-income professionals that guides you, start to finish, through the entire process of finding, selecting, and ultimately purchasing your first rental you start increasing your monthly revenue and protecting your 2021 income from taxes right away. 

During our class you’ll make progress each week: 

⇉ Learn how to choose the right market so you can actually earn cashflow and mitigate risk because you’re buying the right properties (the wrong market will slow your growth considerably and cost you in a downturn).

⇉ Get connected to the right investing team of agents, insurance brokers, lenders, asset protection lawyers, CPAs, and specialists in cost segregation, 1031 exchanges, bookkeepers, 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.

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 investing in real estate.

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 high-income earner, this isn’t your primary concern. So why pay for information you don’t need? 

What you do 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 significant, 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.

See what the star alums from our 1st, 2nd, and 3rd cohorts have accomplished.

This could be you!*


Zero to Freedom gets results.

The students from our first 3 classes have already purchased several hundred units combined.

⭐ Matt and Jess started the class with 0 properties and now own 28 units.

⭐ Gretchen also started the class with 0 properties. Since then, she’s bought 40 units.

⭐ Josh and Leah put in offers during the course, and have purchased a total of 5 doors in less than a year.

⭐ Thomas went from 0 to 5 doors within 3 months of finishing the course.

⭐ David purchased properties during the course, and then bought a 60-unit less than one year.

⭐ Zee and Asfa purchased 18 doors in less than a year and will be eligible for REPS this year.

⭐ Latifat and Olushile purchased a total of 11 doors in 2020, and they’ll claim REPS this year, too.

⭐ Single physician moms like Svetlana and Abby have purchased several properties. Proof that you can leverage this strategy even if you’re a single parent.

⭐ Jacqueline and Jodi purchased 10 doors within 5 months of taking the class.

⭐ Duncan and Sarah bought 2 duplexes within 6 months of taking the class.

⭐ Jordan and Sunny now have a total of 19 units.

⭐ Joy bought 6 properties within 6 months of starting the course, and will claim REPS this year.

⭐ Mike and Christina put in 8 offers during the course, and purchased 4 of them. Within a year, they were investing in multiple states and now have 15 doors.

⭐ In fact, Christina and many other students have used what they learned in the course to venture into niches such as short-term rentals (like Airbnb) in addition to owning bread-and-butter, multifamily cashflowing rentals.

⭐ Vincent was an experienced investor, but thanks to the class he purchased 7 more doors in 2 new markets. He was also able to use what he learned to increase the cashflow of the properties he already had, and harvested even more tax savings.

⭐ A surprising benefit to our class came when Jessica watched our interview with an insurance agent and realized her home wasn’t covered by insurance since she had transferred it into a Trust. She took action to get the Trust covered—and when a tornado hit 3 weeks later causing $60,000 in damage, insurance covered it...

⭐ ...and Jessica is now in the process of buying rentals in 3 different states.

Those are just some of the truly dazzling results our students have seen just from taking our class!

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:

Are you ready?

  • A special bonus module covering the tax benefits of investing in real estate. We cover achieving Real Estate Professional Status (REPS) but the truth is, you don’t have to claim REPS to harvest a lot of the tax benefits available to real estate investors.
  • Our exclusive nationwide 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.
  • 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.
  • 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.

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.


The Zero to Freedom Guarantee

If you purchased our Zero to Freedom Through Cashflowing Rentals course (the “Course”), we guarantee that if you do not make more progress in real estate investing in the first three (3) sections of the course (pre-course, module one, and module two) than you have in the year before you took the Course, you could be eligible for a full refund of your payment for the Course if you provide written notice at [email protected] within twelve (12) days of the release of module one 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 6 years ago, we were newlyweds who were 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 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.
  • 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. ← We can’t wait until the pandemic is over and we can live part-time in Italy!

Zero to Freedom works. But don’t take our word for it.

Hear what our students have to say.*

Sam S.

“The most fun part is being a part of the Zero to Freedom community. Everyone’s so respectful and generous with their help. You could ask other people about how much an accountant quoted you and did you get a similar quote, or what happened when mailing in your IRS EIN number. We all learned a lot from each other’s experiences.

Most of all, it’s really inspiring to see other people in the class succeeding. Someone will share how they’ve bought eight doors in the same market as you, and you realize it is possible for you to do the same thing.”

Duncan M.

"Before we took the Zero to Freedom course we knew we wanted to invest in real estate but that was all we knew. In just a few weeks the course taught us everything we needed to invest confidently and wisely. The practical, comprehensive and interactive nature of the course meant that, even before it was over, we had made offers on two investment properties both of which we now own. We are happy to strongly recommend this course to anyone who is serious about investing in real estate.”

Michelle M.

“Never in a million years would I have believed in May that four months later I’d be closing on a set of duplexes! (Now I have 6 doors, and I’ll be adding 6 more in the first quarter of 2021!) I love medicine so much, but this is the first time in years I’ve felt empowered by my choices and not trapped in a system that I can’t change and can’t afford to leave. Thanks to Letizia, Kenji, the mentors, and all of my awesome classmates for the knowledge, advice, and encouragement.”

Jennifer F.

“Right after finishing the course, we had 4 offers accepted for a total of 20 units. (Now we’re up to 29!) We’re both full-time physicians with 7-year old twins—the cashflow from these properties will allow us to spend more time with our family. This course made us take action and we’re thankful for it!"

Lova A.

“I’d been thinking about real estate investing for years before I joined this course. I’m so glad I signed up! I’ve learned so much, and gained much-needed confidence in navigating the waters as an investor. I’m excited to have 3 offers out. Thank you Kenji and Letizia for this course!”

Jordan F.

"We loved the course! We went from neophytes at the beginning of the course to purchasing our first property by week 4. We also continued to learn after that. We really enjoyed that the information is presented in a compact, high-yield manner that is very digestible. The accountability and action that is fostered by the course mechanics is awesome."

Hear more from our alumni below


Is Zero to Freedom right for you?

It IS right for you if:

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.

It is NOT right for you if:

❌ 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.


6 Reasons Why the Economic Downturn 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 economy is down. What if your properties lose value? What if your tenants can’t pay their rents?

Those are valid concerns. And here are 6 reasons why we think it’s worth the risk. 

  1. The truth is, there will always be a downturn happening or on the horizon. That’s the nature of capitalism. Even if you don’t invest, you’re participating in that system and the ups and downs will affect you and your life no matter what. You need to learn how to thrive in good and challenging times.
  2. You want to be ready for the eventual upturn. Do you want to miss the good deals that will become available during this downturn? No. 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.
  3. Sure, your renters might struggle to pay their the short term. But this is a long-term game. In the long term, the economy will bounce back, your renters will catch up on rent, and there will be rent appreciation. Don’t be short-sighted!
  4. Hard truth: downturns create more renters. Unfortunately, people will lose their homes during a downturn. But they’ll still need a place to live. If you think about it, you’ll actually be helping people during a difficult time.
  5. In Zero to Freedom we teach you a recession-resistant investing strategy. We focus on B/C-class multifamily properties that tend to remain stable—and even gain value—in downturns.
  6. The stock market is still over-inflated (in our opinion)...which means there are more losses to come. Wouldn’t it be nice to diversify and hedge against future stock market losses?

It’s time to secure the killer cashflowing properties that will help you reach your long-term goals.

Frequently Asked Questions

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 for only three payments of $897 (total: $2691)—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 of 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.