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532 | Hold or Sell? How to Decide if Your Property Is Worth Keeping

How can you create a financial buffer WITHOUT impacting your family budget?

Are you wondering if your underperforming property is worth keeping? (Here’s the key reason why you should be asking, “Will the banks like it?”) 

And are property finfluencers manipulating the market?  

Folks, after a ripper Summer Series we’re BACK for 2025 and kicking off the year with a Q&A session answering your most pressing questions and giving you golden strategies that’ll allow you to act now.  

PLUS… we’re revealing major upcoming projects!
🔥 Our THIRD book, How to Retire on $3K a Week (and how to get first exclusive access!)
🔥 Huge Moorr upgrades to supercharge your money management
🔥 And plenty more insider insights…  

Listen now folks!  


Free Stuff  

  • FREE MASTERCLASS: How To Buy an Investment Property Without Impacting the Family Budget
    As mentioned in Q2, Secret #1 in our free Masterclass teaches you how it’s possible to invest in property without sacrificing important moments today.
    Register for your masterclass now >>
     
  • WAITLIST: Bryce’s 50th Charity Event!
    We’re thrilled to share that all spots for Bryce’s Charity Event have been filled! (by an amazing group of folks) In partnership with the John Fawcett Foundation, this special trip is designed to give those in need their eyesight back – and we couldn’t be more grateful for all the support and interest we received.
    If you missed out but would love to join, simply sign up for the waitlist now! >>
     
  • COMING SOON: “How to Retire on $3K a Week”! 🚀
    After months of hard work, we’re SO excited to unveil our third book – “How to Retire on $3,000 a Week”! Packed with thousands of updated calculations, proven strategies, and expanded case studies, this is your ultimate guide to fast-tracking your passive income through property. Be the first to get your hands on it. Register now for exclusive release notifications and get ahead of the crowd! Join the waitlist today >>
     

 

Questions We Answer

Q1) To sell a negatively geared apartment or to ride out the wave? From Hanh 

“Hi guys.  

My name is Hanh. I’ve been binging on all your podcast episodes since I started researching on the topic of property investment over the last couple of months.   

The reason why I’m leaving you a voicemail is because I can’t seem to find an episode that covers my question, although I do love the learnings that I’ve had along the way so far. A bit of background about me. I’m 46 years old, and I currently live in suburbia Melbourne. I have two daughters, a 5 year old and a 6 year old. I own a studio apartment in Melbourne CBD for the last 20 years.  

It’s negatively geared and it has barely increased in value. I bought it for $315k and the agent currently values it at $380k. I seek financial advice they’re telling me to sell it to avoid further potential capital losses. My financial planner has also told me to cut my losses and to sell it and invest in something else that is more likely to go up in value. Not really sure what to do. My thoughts for this property were to initially live off in retirement, I would give it to my daughters as they get older or sell it if I ever to get sick again.  

In 2020 I was diagnosed with breast cancer so I don’t really have any income protection so in the event if it reoccurs, I would like to keep that as a bit of a buffer or a Plan B should I need it. Now with the government in Victoria capping international students, I feel that it might limit my rental yield and also property market, especially apartments in Melbourne is a bit saturated at the moment.  

I’m not sure if that will change in time, so I’m really undecided as what to do with this property, whether to sell it or to ride out the wave for the next 15 years or so. I’m a bit torn because I wanna like I have high hopes for this property, I’ll be very willing to give it up if there is a better alternative elsewhere.  

If you can help, that would be great. Thanks.”  

 

Q2) Time for taking action from Brad  

Hey Team TPC! 

Having only been referred to your podcast by my colleague (and one of your clients) in March this year, I’m currently working my way past Episode 500 of your podcast. I’ve contacted your team and I am hoping 2025 is the year to ‘act on it!’ (especially since I’m 45 next October)!

My PPOR purchased in 2011 for $315k is currently valued at around $800-850k, with a loan balance of around $345k, with payments of ~$2500/month (after previously refinancing and fully renovating the house internally – added a 4th bedroom, Kitchen, Bathrooms, Tiles, Carpets, Paint etc.)  

After listening to your podcast,  I understand that it’s wise to start on the investment journey with a buffer of at least 6 months worth of savings.

I am currently paying off a car loan ($15k at around $150 a week) and thanks to YOUR MoneySMARTS system, I have been saving (a minimum of) $300 a week since the start of FY25.

With respect to the savings buffer and borrowing capacity, I know that is it wise to pay down consumer debt (i.e. my car loan) first, because the loan period (and therefore the interest paid) will reduce significantly.

My question for the community is:

If I wanted to buy an IP and I was in a position to release ~$280k equity from my PPOR, do I still need to have (recommended) 6 months of savings as a buffer, or can I act SOONER?

I understand that there is a huge opportunity cost of not ‘taking action’ now… and building that savings buffer could take me (and others out there) potentially up to another 2 years before I can act! Apart from taking on another job, (which is definitely not off the cards) I’d be keen for your feedback!

I hope that this question helps others who might be finding themselves in a similar situation.

You are directly impacting the lives of the community AND their loved ones, as a result… Thanks for all of your incredible work!

PS: With a few exceptions to the rule (like Victoria and Canberra) your borderless and well-informed approach to investing really makes some of the “spruikers” out there look like they are generalising on markets, influencing people with intent to benefit themselves!

(As entertaining as finfluencers like GH and JH are, you need not be concerned – they don’t hold a candle to the TPC Team… They are no competition!)”  

 

Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? From Jen  

Hi Bryce.  

 Finfluencer follow up….And maybe another question/request for the podcast? 

Here is my question… 

In the battle of the property finfluencers, I can see it comes down to a few investing strategy frameworks – with the top two being; 

  1. The conservative, tried and tested – buy location, then the land and dwelling type, and go long.
  2. The new age “we have found something that the conservatives haven’t” – buy hot spots, ride the short term wave, then rinse and repeat your way to financial freedom.

I can appreciate the compelling story with #2 as it feeds into the notion of get rich quick and feeds the ego with bias around investing in a way that others can’t see.  

For the 2nd model to work, here are two possible constants or constraints (depending on the way you look at it):

  1. Reliance on a buyers agent model that hasn’t been around for ‘long’ which requires said buyers agent to tap you on the shoulder when it’s time to buy and sell in a particular area.
  2. Manipulation of property prices from such buyers agents who have their clients flood into a particular hotspot area within a certain time frame, driving a certain degree of artificial demand and price uplift.

Number 2 is a concern, from the perspective that all the new buyers agents are interpreting the same info from the same data sources yet they think they are the only ones to see it. And then sell these so called ‘insights’ to their followers based off this premise… ‘we are doing something and seeing something that others aren’t’. 

But in true terms, it’s a younger, wider movement based on all the same data sets, which leads to FOMO and possible sub market price manipulation.”

 

Timestamps  

  • 0:00 – Hold or Sell? How to Decide if Your Property Is Worth Keeping  
  • 1:18 – Thank you to our inspiring Summer Series guests! 
  • 4:03 – Mindset Minute: Approaching 50 does something to you… 
  • 8:38 – Incoming Projects: Our third book, huge upgrades to Moorr & more… 
  • 15:57 – Q1) To sell a negatively geared apartment or to ride out the wave?  
  • 19:27 – Why not invest in Studio Apartments?  
  • 24:00 – Owner-Occupier appeal is EVERYTHING.” 
  • 25:05 – You need to ask, “Will the banks like it?”  
  • 28:14 – How to escape the loss aversion trap  
  • 30:55 – Q2) Time for taking action 
  • 33:53 – How professionals would unpack this problem 
  • 35:30 – Using equity to act sooner: Is it a good idea? 
  • 36:20 – Do you need a buffer?  
  • 38:42 – Don’t look down: How to redefine how you see debt! 
  • 41:21  Masterclass Secret #1: How to adjust your family budget to release surplus 
  • 41:37 – Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? 
  • 43:47 – How GameStop’s short squeeze is the same as property spruikers 
  • 48:16 – The 10,000 hours matter…  
  • 52:54 – Are you buying into a cyclical or fundamental movement?  
  • 57:48 – Thank you to this week’s question-askers & 2025 Property Market Outlook at the end of the month!   

And… 

  • 58:36 – Lifehack: How to use AI to get your kids to do homework!  
  • 1:01:37 – WMPN: Climate risk is growing; what does it mean for insurance? 

 

520 | Should You Take Property Advice from a Financial Planner?

Folks, Episode 520 is not just another massive Q&A Day on the couch, but today’s episode has us responding to the rawest feedback we’ve EVER received. 🤯 

Plus, you’ve heard our about property investing journeys. But what about today’s true story from Trevor, who backs up everything we said about failing to retire on $2K per week?!  

You’ll have to tune in to find out how he gets out of this sticky situation. 


In this episode, you’ll hear:

  • Why TPC listener Gabriel opposes calling property investors “small business owners” 📈 
  • Capital Gains Tax: Has the AFR proven us wrong? 🤔 
  • Should you take property advice from a financial planner? 🏡 
  • How do birthdays and curing blindness overlap? Tune in at 19:45 to find out. 👁️  

It’s a ripper episode folks. Give it a listen now!  


Free Stuff  

  • Australia’s FIRST property AI is now LIVE!
    Ask your burning questions, and Opti, The Property Couch’s own AI, will scour our entire catalogue – we’re talking all our courses, books and 500+ episodes – to find the answer. To try it, simply text click here to start the conversation on Whatsapp or scan this QR code:

Opti QR Code

  • UPCOMING WEBINAR: MoneySMARTS 2.0 release!
    7:30pm AEDT, Tuesday, 26th November 
    Get ready to meet your new, ultimate money management tool in Moorr, designed to make managing your finances simple, effortless, and effective.  
     
    Join Bryce, Ben, and Moorr’s Product Manager, Alric, as they walk you through the powerful new features of MoneySMARTS 2.0 and share practical tips to make your money work harder for you! Register for the webinar here >>  
  • Want to join our team?
    Empower Wealth is on the hunt for a Chief Operating Officer! If you, or someone you know, is passionate about leading a team of professionals dedicated to helping aspiring Australians achieve their financial & personal goals, then we want to hear from you! Apply today >>  
  • Give the gift of sight!
    May 2025
    Next year, Bryce turns 50! To celebrate, he’s hosting a special charity event in Bali to fund life-changing eye surgeries for those in need. Join the TPC crew in Bali for 3 days, during which you’ll witness transformative eye surgeries up close and be part of a property investing mastermind session!

    Partnering with the John Fawcett Foundation, your support will provide glasses, eye medicines, and free cataract surgeries, transforming lives through better vision. We have just 12 spots available. If this is something you’d like to be a part of, find out more or register your expression of interest here!
  • Get on Bus #1 (Listen to 50:45 for some background 😉)!
    In line with Helal’s question, work with Empower Wealth, our team of Qualified Property Investment Advisors (QPIA). Speak to an award-winning team today >>

 

Questions We Answer

Q1) Feedback on Episode 515 – Negative Gearing from Gabriel  

Hello, 

Firstly thanks so much for all the work you are doing for giving an alternative to some of the media rhetoric on this topic.  Can I offer a couple of points as constructive feedback after listening to the episode.  

While it provided a lot of good points to consider, I think there is an opportunity to rethink a couple.  

Firstly on the history of capital gains tax, while you said that it replaced existing arrangements, you failed to mention the important point that it is more generous that its predecessor and that there is scope for scaling it back. The AFR in their Fin podcast mentioned that CGT was worth $25B a year vs $2B for negative gearing. It was meant to encourage investment in businesses and instead turbo charged property.  

Secondly I find you calling property investors small business owners irritating, and if this is a sentiment shared by many others I wonder if it could be detrimental to the cause of changing the public opinion of ‘greedy investors’.  

While I own an investment property myself, I would never introduce myself as a ‘small business owner’ based on that. I own an asset that serves a great social purpose of housing Australians, but this is not a business where I create something new out of time, creativity and resources.  

The asset is already there, built by an actual business. It’s managed by another business – a property management agency and it’s maintained by other businesses like tradies.  

I don’t have an ABN and don’t need one. If I owned shares which ultimately give capital to listed businesses so they can invest and grow the economy, would I call myself a small business owner? 

Love your work (still!) 

Regards,
Gabriel 

 

Q2) Role of financial advisor in property investing from Helal 

Hi, I hope you are doing well.  

I have a question about the role of a financial advisor and the services that you provide. From what I understood from listening to the podcast is that the financial advisor cannot advise you to go looking, or advice about properties, is that correct?  

If not, what should we do? Do we go through a financial advisor first and then decide whether we want to go into property with them going with the financial advisor’s plan? 

 

Q3) How to fail to build from Trevor  

Hey Ben & Bryce, 

Just wanted to reach out and say Ep. 480. Guys! This is phe . nom . enal ! I can relate to some if not all of the “how to fail to build” points you raised here.

My true story goes a little something like this. I bought my first house and land package as a PPR just before the GFC hit and after living in it for a year, rented it out because I went off traveling the world in my mid 20s for the next 8/9 years.  

After the real estate agency secured what I thought was a good tenant, I gave them the flick and managed the property privately. Thought it was a great idea to save a few dollars on fees right. Those same tenants moved out 5 years later and I had to replace all the carpets, repaint the walls and replace some fans the kids had swung off of. Needless to say, the bond certainly didn’t cover this.  

I kept the bond and offered the tenants to pay the rest of the bill. Obviously, I heard crickets from them so had to pay the rest out of my own pocket. I had landlords insurance but this is a worst case insurance for me and I never use it to claim small things. It’s just for the “what if the house burns down”.  

You’d think I’d learn right? Wrong.  

I went and got another tenant, funny enough it was the family next door and they were moving out of that house because it was up for sale. I saw an opportunity to save on management fees again and 2 weeks’ rent the real estate would have charged for finding a new tenant. The new family moved in under a private agreement. Sweet as right? 

Nope. After trying to manage this house from a yacht somewhere in the Bahamas (which I worked on by the way, not owned) I found out while doing my own tax return one year that they had underpaid me rent. I had to send them emails and show them spreadsheets from afar of how much they were behind and it was more than 5 grand.  

I thought enough was enough and got a property manager to help sort them out and they did pay me what I was owed and all was fine. But do you know what the kicker is, well it’s not keeping up with what the rental market is doing. I.e. rents around my house had gone up and considerably, but because I was managing this house myself from afar I didn’t have the finger on the pulse.  

After all of this learning, let me tell you fellas… I have now learnt! I maintained a property manager for this house from then on. That lesson had taught me about property management and its importance. What it didn’t teach was having the right strategy in place, and so I sold that house at roughly the 10 year mark (insert palm in face emoji). 

I can wholeheartedly say that the net of the money I saved in management fees over the years was surely a net negative and as you can see to top it off I sold the property and paid commission to do so.  

I can’t bring myself to check the growth of that suburb and what the house would be worth now or even to check what its rental yield would be. For context I sold it in 2022. 

Final point I’ll make on this and for people who may hear this, I wish I got accredited professional help because my future self would have thanked me for it. My wife and I have now got that help through Empower Wealth and we are on a path of retribution.  

I am a dedicated listener to your podcast.  

Keep up the great work!
You guys are my Joe Rogan!
Cheers Trev. 

 

Timestamps  

  • 0:00 – Should You Take Property Advice from a Financial Planner?     
  • 1:29 – Footy banter and Trump’s win  
  • 5:39 – Australia’s FIRST property AI is now LIVE 
  • 9:35 – MoneySMARTS 2.0: Release webinar!  
  • 11:33 – Empower Wealth is hiring a Chief Operating Officer  
  • 14:39 – A heartwarming moment at the Tina Turner concert! Ruva, here’s a shoutout to you 😊  
  • 17:48 – Mindset Minute: “Life is not for complaining about pain and sorrows; it’s about prioritising…”  
  • 19:45 – Bryce’s 50th: Give the gift of sight! 
  • 26:56 – Block Auctions: A reminder it’s not based on real property principles!   
  • 29:51 – Q1) Negative gearing feedback & would I call myself a small business owner 
  • 32:10 – The history of capital gains tax  
  • 34:04 – What makes a small business?  
  • 37:29 – The #1 overarching reason why the property investor narrative needs to change 
  • 39:45 – Framing businesses: Vintage cars and social good 🚗 
  • 43:19 – Negative gearing for… planes?!  
  • 45:05 – Q2) Should you take property advice from a financial planner?    
  • 46:13 – Residential properties aren’t a licensed product!  
  • 50:45 – Bryce’s minibus analogy: Traditional financial planners vs. Investment-savvy financial planners 
  • 54:33 – Why do QUALIFIED property investor advisors (QPIA) matter?  
  • 58:43 – Reach out to us if you want to get on Bus #1!  
  • 1:00:42 – Q3) How to fail to retire on $2K per week  
  • 1:04:58 – Avoid touching the pot!  

And… 

 

504 | Everything You Should Know Before Turning Your PPOR Into an Investment

Trevor is seeking a “Tree Change”: To escape out of the city with his family. What are the implications of turning his Principal Place of Residence (PPOR) into an investment property to do so?

Meanwhile, Emma’s got a duplex under a single title. She lives in one unit and has rented the other; is she eligible for Capital Gains Tax exemption?

Clinton wants to know what the best loan to attach his offset account to is: an interest-only or principal-and-interest loan.

Folks, today’s massive Q&A highlights the most significant benefit of Australia’s tax system, the importance of seeking good tax advice (and the implications if not!) and exactly why record-keeping could save you thousands.

Tune in now! 😊

 

Free Stuff Mentioned

  • How much is your property earning (or costing) you?  Moorr’s newest Property Cashflow Projection Tool is now live! Get a detailed breakdown of money going in and out over the next 12 months, plus the full tax story. 

 

Questions We Answer…

Q1) Capital Gains Inquiry from Emma  

Hello, my partner and I bought a full duplex with a single title in 2022 for $465K. 

This year in February 14th, we sold it for $550k. The unit 1 was rented when we first purchased the property and is still currently rented by the same tenant. She stayed there even after the settlement whilst we moved into the unit 2. 

Can you please help me with the capital gain tax calculations and whether we would be eligible for an exemption. I can’t seem to find a straight answer online, whether we would take the capital gains tax on just unit 1 or whether we could apply for the exemption for the whole property. 

Thank you. I appreciate your help. 

 

Q2) Where to attach my offset account? from Clinton  

Hi Bryce and Ben and the team on The Property Couch. I just have a question in regard to which loan I should have my offset account attached to? 

So, we currently have our PPR in Cairns, which is of the value of approximately $600k which in the next three years we’re going to rent out. Hence, it’s an interest only loan.  

And we are also going to buy a property in Melbourne this year of a value approximately $800k but that will be with P&I loan. Just wondering which loan would be better to have the offset attached to as $800k purchase will be P&I and the $600K PPR right now will be interest only.  

Obviously, interest only helps with cash flow as well. I understand that it’s probably better to have the offset on the higher mortgage, but would it be better to have it with the lower mortgage considering it has the interest only loan? Thanks guys. 

 

Q3) How to turn your PPOR into an investment property and move to the country? from Trevor   

Hey guys. 

Love what you do, the podcast and the content you share. My wife and I are on our journey with Empower Wealth, and we’ve just loved every minute of it. We’re keen to keep kicking goals on this journey we’re indebted to you guys for. 

My question centres around a sea change for us and our family – albeit moving to the country, not the sea or the ocean – would love to, you know, buy that acreage on a hill somewhere and just want to understand I guess in general terms, how that would look or play out for our current situation, being that we have a PPOR in the city here in Brisbane, we’re sitting at about 25% LVR on that. 

We’ve just executed on our first investment property and the total LVR would be about 46% and with the available equity 80% of the PPOR of about $750,000. I guess I want to understand how you can or could you turn the PPOR into an investment property, move to countryside and buy another PPOR and convert that one into an investment?  

How that sort of plays out in the finance and its tax implications, recognising that you know with the LVR so low on our current PPOR, it would be I guess positively geared considering that rental appraisals are around about $1200 per week in today’s market? 

So I’m struggling to understand how we could do that and I guess live our best life where we are keen to live. But yeah, look forward to hearing what you guys think and yeah keep up the great work. 

Cheers. 

 

Timestamps

  • 0:00 – Everything You Should Know Before Turning Your PPOR Into an Investment 
  • 1:17 – Welcome back Bryce!  
  • 4:13 – How to calculate how much your property is earning or costing you 
  • 8:41 – Mindset Minute: “The Gap between the Life you want and the Life you are living is called….”  
  • 10:50 – Q1) Are we eligible for a Capital Gains Tax exemption? from Emma   
  • 12:10 – The greatest gift of the Australian tax system 
  • 16:11 – Why talk to a tax advisor?  
  • 17:54 – A $21,250 tax bill & setting the precedence in 2023 
  • 22:32 – Q2) Where to attach my offset account? from Clinton   
  • 23:47 – The best place to park your offset is… 
  • 26:40 – Why does your highest cost of debt matter? 
  • 28:15 – Why record-keeping here matters!  
  • 28:51 – Don’t miss THIS tax advantage!  
  • 29:47 – Q3) How to turn your PPOR into an investment property and move to the country? from Trevor   
  • 32:35 – Will it become positively geared?  
  • 34:13 – Ben’s preference in these scenarios 
  • 35:27 – How modelling can make an impact  
  • 37:02 – Brisbane’s an interesting market because of…  
  • 38:25 – Tax implications & the team to help  
  • 40:40 – At minimum, it’ll cost you $40 to $50G… 

And…

  • 43:49 – Lifehack: Take a _____ overseas! (And don’t leave your card in the safe 😉)  
  • 54:14 – WMPN: Always read the terms and contracts & Westpac’s Prestige Property Report: Which investor gets the best tax concessions?   
  • 1:03:41– A letter from Alex from Episode 399!  

496 | Don’t Sell the Goose That Lays the Golden Egg

 

In Episode 496, we’re back with a jam-packed Q&A Day!

Discover everything you need to know before investing in Victoria, from understanding the state’s “blowout budgets” to navigating the biggest risks that make buying in Melbourne a “2030 conversation.”

We also break down why the buy-and-hold strategy still works, even for single investors with lower incomes. (After all, would you sell the goose that lays the golden egg?)

Plus, learn why housing shouldn’t be linked to income and hear real data from a listener on his journey to a $1M passive income.

Tune in now for a jam-packed episode! 🚀 🚀

 

Free Stuff Mentioned

 

 

Questions We Answer:

Q1) Advice on Purchasing in Victora from Georgia  

Hi Ben and Bryce, my name is Georgia.

I want to say thanks very much for your work on the podcast. I really enjoy listening to it and find a very educational.

My husband and I currently live on the Gold Coast. We have been living in our principal place of residence, which is a house we bought about a year and ½ ago.

We also own an investment property on the Gold Coast, which we bought in 2018 and it was originally our principal place of residence but since we moved to our house, we now have that as an investment property.

We had really good returns from both properties over the last few years so we’re looking at releasing some equity from investment unit and then purchasing another property potentially in Melbourne.

Seems like Melbourne properties are in high demand at the moment. I’ve heard your advice on buying in Melbourne or Sydney if you possibly can so I think it would be along a good long-term investment and potential growth would be positive.

Possibly looking at the western suburbs because I say I’m a bit more affordable and I think that’ll be a popular area going forward. I know Victoria’s had some changes to tenancy laws so I was wondering what we should be aware of if we’re thinking of purchasing in Victoria?

I know there’s a lot of extra costs and compliance requirements so what would be your advice and recommendations of things to be aware of if we were looking at purchasing the property in Victoria for investment purposes?

Thanks again for your work. Keep doing what you’re doing.

Q2) Selling Options from Justin

Maybe start to talk more about the option of selling. Your podcast seems to advocate for a buy & hold, retire debt strategy.

Every podcast talks about buying a property, then cash out equity when the property grows in value to go again; however, this is not always achievable when someone has reached their serviceability cap.

As such, I think the option of selling to access equity to redeploy into another investment should also be talked about as a valid option to grow wealth.

You always mention that most investor stop at one or two investment properties, but I think this is more due to restricted lending to an individual more so than ones’ willingness to achieve more.

As a general lay person, I know enough to be dangerous but I can’t see how someone on a median income of 67k that own their own PPOR with half a mil to a mil mortgage would be able to service enough debt to afford more than 1 or 2 investment properties.

Q3) Buying a property to Assist in Purchasing Dream Home from Ruva

Hey Ben and Bryce love the podcast. You guys rock. My question is around rent-vesting. Apologies if this is already been answered or rather basic, but I’m struggling to connect the dots and understand the end game of this strategy in real terms.

How can buying a property or properties at lower value points and in areas of lower demand in bulk assist purchasing your dream home outright mortgage free and a blue chip suburb in 10 to 15 years time as I hear a lot on Youtube.

If values continue to rise across the country with a ripple effect from major centres outwards, won’t blue chip location simply remain at a map much higher value to those cheap and cheerful investments in mount random? May you please outline how this works in practice?

Are rent-vestors assuming that investing elsewhere will outperform their dream locations to then a mass enough equity to buy a dream home outright in the future? What does this actually look like?

Thank you so much.You guys are amazing. Love the podcast. We tune in and you bring so much value to the community. We appreciate it. Thank you

Listener Comment: Real life data you may find useful from Dean

Hi guys, I am 43 and have been investing in property for over 20 years now, my strategy has been to buy & hold, some of the properties I have owned have been cosmetically renovated and others structurally renovated over the years, my properties are located in Melb, Sydney, Brisbane & a couple in USA.

I currently own 12 properties. I work full time in a banking role and recently have other business interests outside of property.

I have run my property investment portfolio as a business over this time, and on a monthly basis i maintain a spreadsheet where I update my assets, liabilities & cash flow position.

The data is a real life example of the buy & hold strategy and could be of interest to you & your listeners.

Basically it shows the slow burn of building the first million net (17 years), however then jumps rapidly as the exposure to the market grows and the property market does the heavy lifting; $1m – $2m (10 months), $2m – $3m (27 months), $3m – $4m (38 months), $4m – $5m (9 months).

I’m not looking to be interviewed or my full name used, however thought this data might be useful as a real-life example of what you consistently talk to.

Regards,
Dean

 

Timestamps

  • 0:00 – Don’t Sell the Goose That Lays the Golden Egg 
  • 1:29 – Collingwood’s cooked it? 😉  
  • 3:57 – PICA Webinar Replay! 
  • 5:05 – Mindset Minute: “If you don’t change the direction you’re going, you’ll wind up where you’re headed!” 
  • 5:49 Q1) Advice on Purchasing in Victora from Georgia   
  • 8:02 – What to know before you invest in VIC  
  • 9:20 – The Greatest Risks to Investors  
  • 11:10 – Why does Melbourne look better in the long-term?  
  • 15:33 – Why buying in Victoria should be a “2030 conversation”  
  • 16:40 – Record level of debts & blow out budgets 
  • 19:28 – Will incentives for investors come back? 
  • 21:19 – Q2) Selling Options from Justin   
  • 22:37 – Folks, 60-80% return in months is NOT the norm!  
  • 28:30 – The BIG shift from passive to active investing  
  • 30:13 – “What if I don’t have 30 years left to invest?”  
  • 32:47 – Why sell the goose that lays the golden egg?  
  • 33:50 – You don’t have to be debt-free at retirement. Here’s why. 
  • 39:14 – Q3) Buying a property to Assist in Purchasing Dream Home from Ruva   
  • 40:51 – Why housing shouldn’t be linked to incomes 
  • 43:19 – What is modern Rentvesting?  
  • 45:02 – This is when property becomes a game of probability  
  • 46:26 – Blue Chip suburbs & long-term commitments  
  • 51:56 – Listener Comment: Real-life data from Dean   

And… 

  • 55:41 – Lifehack: Apple name drop in a flash ⚡ 
  • 56:58 – WMPN: 144 days for building approvals?!  
  • 59:47 – We’ve got an amazing guest incoming… 

 

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