Category
Guides
Step-by-step guides for buying, financing, renovating, and managing investment properties in Melbourne and across Victoria.
61 articles
- 28 May 202611 min read·Yan Zhu
Just Got Your PR? Here's Why Rushing to Buy Property Is the Worst First Move.
Permanent residency approved. The instinct: buy a house immediately. The reality: that instinct costs you six figures in opportunity cost.
- 7 May 202610 min read·Yan Zhu
The Renovated House Trap: What Fresh Paint Is Actually Hiding.
Fresh renovation does not equal sound property. Here is how to see through the concealment.
- 16 April 202612 min read·Yan Zhu
We've Won 100+ Auctions. This Is the Positioning Guide Nobody Teaches You.
Auctions are psychological warfare disguised as property transactions. The auctioneer's job is to trigger your competitive instinct. Your job is to stay rational. Here is how.
- 26 March 202611 min read·Yan Zhu
Under 30 in Australia? Buying a Home to Live In Is the Biggest Financial Mistake You Can Make.
Your parents told you to buy a home. Your parents' advice was calibrated for a market where houses cost four times annual income. Today they cost eight times. The playbook has changed.
- 5 March 202612 min read·Yan Zhu
Your Kids Won't Inherit Your Wealth. The ATO Will. Unless You Do This.
You spent twenty years building a property portfolio. You sacrificed holidays, drove the same car for a decade, and made mortgage payments while your mates were spending. And if you die without a stru
- 12 February 202611 min read·Yan Zhu
What Happens Inside a Buyer's Agent Team Meeting (We Recorded One)
Someone on our team secretly recorded a Monday morning meeting. The footage shows exactly how we review suburb data, challenge each analyst's assumptions, and make buy-or-reject decisions in real time
- 22 January 202610 min read·Yan Zhu
If You're Under 35, Property Beats Shares. Here's the Mathematical Proof.
Everyone tells you to invest in index funds. The data says shares return 9.2% versus property's 6.8%. Case closed? Not even close. Because that comparison ignores the single most important variable: l
- 1 January 202610 min read·Yan Zhu
Auctions Are Won Before They Start. Three Steps the Insiders Use.
You're standing at the auction, heart pounding, paddle ready. But the game was already over before you arrived. The preparation — the valuation, the agent research, the competitor analysis — that's wh
- 11 December 202512 min read·Yan Zhu
I Scored Melbourne's Most-Asked Suburbs Out of 10. Most Failed.
Everyone asks me to rate their favourite suburb. So I built a framework — five metrics, each scored out of 2, total out of 10. Cranbourne got an 8. Point Cook got a 4. Williamstown got a 3. The popula
- 17 November 202511 min read·Yan Zhu
Melbourne Property Is Finally Bouncing Back. Here's the Data That Proves It.
Seven years of flat-lining. Three years of decline. And then, in the December quarter of 2024, Melbourne finally moved. A 1.6% quarterly gain for houses and 2.1% for units — the biggest jump since the
- 20 October 202511 min read·Yan Zhu
"Melbourne Property Isn't Growing" — Until You Look at the Granular Data
People keep telling me Melbourne property is flat. I pull up the CoreLogic heat map and point at the sea of dark blue across the southeast. Then I ask them to explain why Frankston is up 10% while Too
- 22 September 202512 min read·Yan Zhu
I Gave Up Buying My Own Home at 27. Best Financial Decision I Ever Made.
Every financial planner I met said the same thing: get on the property ladder with your own home. The maths told a completely different story.
- 25 August 202510 min read·Yan Zhu
90% of Buyers Make This Offer Mistake. I Call It the 'Double Jump.'
I've watched 50,000+ followers make the same offer mistake: blindly increasing their price when the agent says it's too low. One question changes the entire negotiation.
- 28 July 202511 min read·Yan Zhu
High Growth AND High Yield? Here's How We Actually Do It.
Everyone in property tells you it's a trade-off: high growth or high yield. Pick one. After 200 transactions, I can tell you that's wrong. Here's how we get both.
- 30 June 202511 min read·Yan Zhu
5 Signs You're Buying Property in Suicide Mode
One of these signs is a yellow flag. Three is dangerous. All five and you're financially finished. I see these patterns weekly from clients who come to us after their first purchase went sideways.
- 2 June 202512 min read·Yan Zhu
154 Families Paid Six-Figure Deposits for Houses That Were Never Built
They saved for years. Paid six-figure deposits. Waited five years for homes that were never built. The Clydesdale estate disaster is the cautionary tale every house-and-land buyer needs to hear.
- 5 May 202511 min read·Yan Zhu
5% Deposit Sounds Great Until You See the 30-Year Interest Bill
Average first-home loan: $607,624. At 5.5% over 30 years, total repayment: $1.226 million. The 5% deposit policy lowers the threshold — not the price.
- 7 April 202513 min read·Yan Zhu
I Calculated Every First Home Buyer Concession in Victoria. The Total Shocked Me.
When you stack every single concession available to a Victorian first home buyer — stamp duty exemption, FHOG, LMI waiver, FHSS, and Help to Buy — the cumulative saving on a $600K property is $460,000
- 10 March 202510 min read·Yan Zhu
Five Things You Should Never Say at an Open Home (One Cost a Client $80,000)
Every word you say at an open inspection is ammunition for the other side. I watched one sentence cost a buyer eighty thousand dollars at auction.
- 10 February 202511 min read·Yan Zhu
Four Types of Property I Refuse to Let Clients Buy. No Matter the Price.
There are four categories of property where the price is irrelevant. They could be giving it away and I would still tell you to keep walking. Because the cost of buying wrong does not show up on settl
- 16 January 202511 min read·Yan Zhu
The 5% Deposit Policy Sounds Like a Gift. It's Not.
Every time a government rolls out a low-deposit scheme, the headlines celebrate. But the spreadsheet tells a different story. I ran the numbers on 5% deposit mortgages and what I found should make any
- 19 December 202411 min read·Yan Zhu
The Report That Predicts 10-14% Growth and Why the Crash Callers Will Be Wrong Again
Every platform is full of people predicting a property crash based on an 18-year cycle theory. Meanwhile, SQM Research's Boom and Bust report projects double-digit growth in major Australian markets.
- 21 November 202413 min read·Yan Zhu
Five First Home Buyer Strategies Ranked: Which One Actually Builds Wealth?
The scariest thing about buying your first home in Australia isn't the deposit. It's picking the wrong strategy. Five common approaches, five wildly different outcomes ten years from now. Most people
- 24 October 202410 min read·Yan Zhu
Four Sentences That Cost Buyers $50,000 (And What to Say Instead)
Every word you say to a selling agent gets filed under one question: how much will this person pay? The honest buyers — the ones who share their budget, their timeline, and their ignorance — are the o
- 26 September 202412 min read·Yan Zhu
I've Lived in Melbourne for 14 Years. Here Are 9 Things Nobody Warns You About.
Melbourne just got ranked the world's most liveable city. Again. My Shanghai friends are impressed. But only Melburnians know the full story — the weather tantrums, the suburb pecking order, and the h
- 29 August 202412 min read·Yan Zhu
Australia's $2 Trillion Mortgage Pile Meets AI: Who Loses First?
Australia carries $2 trillion in outstanding mortgage debt. That figure represents 112% of GDP — second only to Switzerland. The question nobody in property circles is asking yet: what happens when AI
- 1 August 202414 min read·Yan Zhu
Eight Things I Check in the First Ten Minutes of Every Property Inspection
A $550 building inspection is the best money you'll ever spend on a property. But you don't need a report to spot the warning signs. Here's what my team and I look for before the inspector even turns
- 18 July 202414 min read·Joey Don
The Due Diligence Checklist We Run on Every Single Property (And You Should Too)
We spend eight hours on due diligence for every property we buy. Eight. Most investors spend less than eight minutes reading the listing description. Here's the full checklist.
- 3 June 202412 min read·Joey Don
We Reviewed 200 Properties and Found the Two Types That Grew Fastest
I spent three hours with my entire team going through 200 transactions, property by property. The results genuinely shocked us. The highest-growth properties in our portfolio weren't the prettiest. Th
- 6 May 202414 min read·Yan Zhu
Stop Being a Landlord. Start Being a Business Owner.
In Australia you will find no shortage of people who own investment property. What you will struggle to find is anyone who can tell you their actual net cash flow position. That gap between ownership
- 11 April 202412 min read·Joey Don
How to Keep Borrowing When the Bank Says No. The Family Trust Strategy That Built Multi-Million Dollar Portfolios.
Most investors hit a wall after their second property. The broker says they can't borrow any more. They think they're done. They're not. I've helped clients build portfolios of five, six, seven proper
- 11 March 202411 min read·Yan Zhu
Point Cook, Clyde, Camberwell — Can You Actually Buy There? A Suburb-by-Suburb Breakdown
Everyone asks about the 'popular' suburbs. But popularity and profitability are two very different things. Here's what the data actually says about Point Cook, Clyde, and Camberwell.
- 12 February 202411 min read·Joey Don
Why Would Anyone Pay Five Figures for a Buyer's Agent? Let Me Show You the Maths.
REA has thousands of listings. Why would anyone pay us five figures to buy a house? Because in the last twelve months, our average negotiation saving alone was higher than our fee. That's before the o
- 15 January 202411 min read·Yan Zhu
Your Apartment Lost Money? Sell It. Sunk Cost Is Not a Reason to Hold.
A client showed me her apartment last week. Toorak address. Beautiful building. Purchased twelve years ago. Current value? Less than what she paid. She asked me whether she should hold on and wait for
- 18 December 202311 min read·Yan Zhu
The Investment Four Quadrants — Why Going Against the Crowd Actually Works in Property
Most Chinese-Australian buyers pile into the same suburbs everyone else targets. The four-quadrant framework from Ray Dalio's Principles explains exactly why that strategy caps your returns — and what
- 20 November 202312 min read·Yan Zhu
Crime Rates and Property Investment: What Actually Matters and What Doesn't
A suburb with 500 total crimes might be safer for your investment than one with 100 — it depends entirely on which crimes. Most investors compare headline numbers and draw the wrong conclusion. Here's
- 26 October 202310 min read·Yan Zhu
Social Media Is Destroying the Logic of Street-Front Retail. Here Is What That Means for Investors.
The traditional logic of commercial retail property, pay more for higher foot traffic, is being dismantled by social media. When a single influencer post can fill a restaurant for twelve months, the p
- 28 September 202310 min read·Yan Zhu
Australia Has a Financial Kill Line. It Does Not Target the Poor. It Targets These Two Groups.
Australia's financial system is not designed to make you wealthy. It is designed to filter out people who cannot control their spending. The kill line does not come for the poorest Australians — they
- 31 August 202310 min read·Yan Zhu
We Bought 131 Houses This Year. Here Is Exactly How They Performed.
At the start of 2020, I was the first person publicly saying to go all-in on Melbourne. Twelve months later, it is time to open the books. 131 houses purchased, all on 500-plus square metres of land,
- 10 July 202311 min read·Joey Don
Two Types of People Who Should Genuinely Never Buy Investment Property
I'm not going to sugarcoat this. Some personality types are genuinely incompatible with property investing. If either of these descriptions sounds like you, please read carefully before committing to
- 6 July 202311 min read·Joey Don
How to Buy Commercial Property in Australia — The Complete Process in Plain English
Commercial property isn't just retail shopfronts. It's warehouses, offices, medical suites, childcare centres, aged care facilities — anything that hosts a business and generates rental income. Here's
- 18 May 202311 min read·Joey Don
We Bought 100 Properties in Melbourne This Year. These Three Rules Made Them All Profitable.
A hundred properties in twelve months. Not one was negatively geared. Not one was in Sydney or Brisbane. Every single one was in Melbourne — and every single one was cash flow positive from the first
- 15 May 202312 min read·Joey Don
5 High Cash Flow Property Types in Melbourne, Ranked by a Team That's Done All of Them
Melbourne, 600sqm house, 6.3% rental yield. We did it. Repeatedly. Here are the five property types that generate positive cash flow in Melbourne, ranked by the team that's actually executed every sin
- 23 March 202310 min read·Joey Don
I Was Overthinking Every Decision. One Habit Change Eliminated 99% of It.
I finally figured out why I always felt low on energy. I was thinking too much. Not analysing, just looping. Since I changed one habit, my decision-making speed and quality have transformed. Here is w
- 20 March 202311 min read·Joey Don
I Started Property Investing at 42. Here's What I'd Tell Every Late Starter.
You've got kids, a mortgage, maybe some super that's not where you'd like it to be. And you're wondering if the property investment train has left the station. It hasn't. But the strategy you need at
- 16 February 202310 min read·Joey Don
This Free Website Shows You More Property Data Than Your Agent Ever Will
Your real estate agent shows you photos and a floor plan. SQM Research shows you vacancy rates, clearance rates, asking price trends, and stock on market. One of these helps you make better investment
- 19 January 202311 min read·Yan Zhu
Five Melbourne Suburbs I Would Never Buy In. The Data Is Ugly.
Every buyers agent has a list of suburbs they love. Nobody talks about the suburbs they hate. Today I am talking about the suburbs I hate. With data.
- 22 December 202211 min read·Yan Zhu
Five Renovations That Lose Money. I Have Watched Investors Make Every One.
Renovation is supposed to create value. That is the whole point. But I keep seeing investors pour money into upgrades that add nothing to the valuation and nothing to the rent. They end up with a beau
- 24 November 202211 min read·Yan Zhu
Inside 5 Donnelly Court: How a $110K Granny Flat Turned a Single House Into a Dual-Income Machine
I filmed this walkthrough on a Tuesday morning. The main house tenant was at work, the granny flat tenant was watering the garden out back, and both had no idea they were funding someone's early retir
- 27 October 202210 min read·Yan Zhu
This Free Website Reveals Every Red Flag Before You Buy. Most Investors Don't Know It Exists.
There's a website that lets you check school zones, see automated valuations, identify flood zones, and find planning overlays — all for a specific address, all completely free. It's called property.c
- 29 September 202211 min read·Joey Don
How I Read an Auction Room in 30 Seconds (and Why I Bid First When Nobody Else Will)
I walked into an auction last month where eighteen people stood around pretending to be interested. Most of them were neighbours. Two were agents from competing firms. Three were genuine buyers. I kne
- 1 September 202211 min read·Joey Don
Commercial Property Is Not Passive Income. Here Is the First Thing I Check Before Buying.
A client came to us with what looked like a bulletproof commercial deal. A petrol station in suburban Melbourne. Long lease. Net rental with tenant paying all outgoings. Yield above seven per cent. On
- 4 August 202212 min read·Joey Don
Same $600K Cash. One Person Buys 1 House. Another Buys 4. Here Is How.
A friend asked me for property advice last year. He had $600,000 in savings and wanted to buy a home. His plan was simple: find a house in a nice suburb, pay cash, live in it mortgage-free. I told him
- 21 July 202211 min read·Joey Don
6,500 People Get Fired Every Day. If You Do Not Have Passive Income, You Are Next.
In the first two months of 2020, over 400,000 people globally lost their jobs or received redundancy notices. That is 6,557 people per day opening that email. I used to be in IT. If I had not built a
- 23 June 20229 min read·Joey Don
The Free REA Hack That Monitors Every Property on Your Street (and Why Developers Use It Daily)
Whether you own property or not, you need this free tool installed tonight. It monitors any address in Australia and alerts you the moment it hits the market. Developers use it to watch for site conso
- 26 May 202210 min read·Yan Zhu
Four Mortgage Hacks That Pay Off Your Home Loan Six Years Faster. Banks Will Never Tell You.
If you think having the lowest interest rate means you have the best mortgage, you need to think again. A 30-year home loan contains over $130,000 in avoidable interest. Here are four techniques your
- 28 April 202210 min read·Joey Don
One Investment Property. Should You Put It in a Family Trust? I Did.
Most people think family trusts are only for the wealthy with sprawling property portfolios. I put my very first investment property into one. The asset protection alone justified the $2,500 setup cos
- 31 March 202210 min read·Joey Don
7km From the CBD. Victorian Heritage. Lost $100,000. The Flemington Trap Explained.
My mate Jay grew up watching the Melbourne Cup at Flemington Racecourse. When he finally bought a Victorian terrace seven kilometres from the CBD, he thought he was combining nostalgia with smart inve
- 3 March 202211 min read·Joey Don
Melbourne's Crime Headlines Are Ugly. Here's What They Actually Mean for Property Investors.
A friend in Kew sold his house within a week of a stabbing 300 metres from his front door. I get it — safety is visceral. But panic-selling based on headlines is one of the most expensive mistakes a p
- 3 February 202211 min read·Yan Zhu
Regional Towns vs Capital Cities: I've Done the Maths Over 40 Years
Everyone and their cousin started buying regional property during the pandemic. The returns looked incredible. Two years later, a lot of those same people are quietly trying to sell. Here's why the 40
- 6 January 202210 min read·Yan Zhu
A Developer Just Banned the Inspector Who Catches Defects. That Tells You Everything.
An Australian developer literally put a clause in their sales contract banning a specific building inspection company. That company's offence? Having one million followers and a reputation for finding