Teacher Bryce Stewart shares how he retired at 35, quitting his $50,000-a-year job to make $20,000 a month as a small-time landlord

• Bryce Stewart worked as a middle school teacher in the small city of Bethlehem, Pennsylvania.
• Stewart used savings and a loan from his in-laws to start buying properties to rent out in 2009.
• He retired from teaching at 35 due to rental income from tenants, which can total $20,000 a month.

You could learn something from this former teacher.

Meet Bryce Stewart, a middle school teacher turned real-estate investor in Bethlehem, Pennsylvania.

In 2009, he bought one property to rent out using a small sum from his own savings - after all, he made just $50,000 a year - plus a loan from his in-laws. Once Stewart found tenants, he continued to buy properties, using less traditional loans and tactics to come up with capital for the down payments.

Stewart now pockets up to $20,000 a month in passive income from 37 properties he owns in Bethlehem, a small city less than 90 miles from both New York and Philadelphia.

Because of his real-estate investing successes, he was able to quit his day job in 2015, at the age of 35. Stewart's creative strategies to become a landlord 37 times over paid off and enabled his early retirement.

In an exclusive interview with Insider, Stewart explained how he financed the growth of his real-estate portfolio from just one unit to 37 despite having very little savings.

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