Uploaded April 2026 | Updated September 2026, 2 weeks ago

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Episode #1268

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By buying just *One Rental at a Time, Michael Zuber* was able to *replace his entire W-2 income,* scale from one rental to four, then to over 80 rental units, go from *paycheck to paycheck* to becoming a *real estate millionaire,* and survive the Dot Com bubble, the 2008 crash, and the post-pandemic meltdown. And in today's show, Michael has two things to say:

First, *the average American won’t make it without becoming an investor.* Second, there’s good news— *this year will be horrible for everyone but investors.*

Michael says we’re sitting in the *best housing market in a decade.* He’s putting his money where his mouth is, pulling a *million dollars* out of his properties’ equity *to buy more,* starting now. He’s *aggressively making offers* and getting deals for a fraction of their face value. Using a simple, but easily repeatable “wealth formula,” Michael has *become the millionaire* next door, and he says *with just 20 minutes per day, you can, too.*

This is a masterclass from one of the most respected real estate investors in the country. Michael shares exactly how the average American can *become an “elite investor” with his 20 minutes per day* exercise, the properties Michael is looking to buy now, the two (yes, two) offers you should make on every house, and why he never bets on appreciation (and we agree). Michael says *this market could last another year* —are you going to make a move or wish you had?

Episode Show Notes:
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Paycheck to Paycheck in His 40s, Millionaire in His 50s with “Boring” Rentals:
biggerpockets.com/blog/real-estate-1231?utm_source=youtube&utm_medium=description&utm_campaign=none

Connect with Michael:

BiggerPockets: biggerpockets.com/users/michaelz76

YouTube: youtube.com/@OneRentalataTime

Website: onerentalatatime.com

Book: amazon.com/One-Rental-Time-Financial-Independence-ebook/dp/B07N1C8S7Z


Connect with Henry:
biggerpockets.com/users/henryw22?utm_source=youtube&utm_medium=description&utm_campaign=none

Connect with Dave:
biggerpockets.com/users/davem27?utm_source=youtube&utm_medium=description&utm_campaign=none

00:00 Intro
01:33 W-2 Worker to Rental Millionaire
04:25 Best Market in a DECADE
06:40 Do THIS 20 Minutes a Day
15:57 Sponsor: Baselane!
16:46 The Rental Wealth Formula
24:42 2 Offers You Must Make
27:22 Ignore Appreciation?
31:20 Average Americans WON’T Make It
36:45 Signs of Opportunity
41:13 What Michael is Buying NOW