Insights & Resources

Investment Insights

Expert analysis, market trends, and practical advice for property investors

2025

24 articles
How to Make Your Tenants Pay Your Entire Mortgage (Legally)
Joey DonInvestment Strategy

How to Make Your Tenants Pay Your Entire Mortgage (Legally)

"Rent will never cover the mortgage" is what people who've never tried it say. Here's exactly how we do it — repeatedly — across our Melbourne portfolio.

Sep 2710 min read
Rich Suburbs vs 'Cheap' Suburbs: Where the Smart Money Actually Goes
Yan ZhuSuburb Analysis

Rich Suburbs vs 'Cheap' Suburbs: Where the Smart Money Actually Goes

Everyone assumes wealthy suburbs are safe investments. The data says otherwise. Here's what actually drives 10-year returns — and it's not prestige postcodes.

Sep 2611 min read
Selling Your Investment Property? Five Legal Ways to Shrink the Tax Bill
Yan ZhuFinance & Tax

Selling Your Investment Property? Five Legal Ways to Shrink the Tax Bill

The ATO takes a big bite when you sell investment property. But there are five legitimate strategies to reduce that bite — and most investors only know about one of them.

Sep 259 min read
The No-BS Landlord Survival Guide (From Someone Who's Managed 200+ Tenancies)
Joey DonProperty Management

The No-BS Landlord Survival Guide (From Someone Who's Managed 200+ Tenancies)

Being a landlord in Melbourne isn't complicated. But the gap between a landlord who makes money and one who loses sleep is almost always the same six things.

Sep 2410 min read
Negative Gearing Has Three Levels. Most Investors Are Stuck on Level One.
Yan ZhuFinance & Tax

Negative Gearing Has Three Levels. Most Investors Are Stuck on Level One.

Your accountant told you negative gearing saves tax. That's Level One. What they probably didn't mention is that the ATO wants some of it back when you sell. That's Level Two. Level Three is where the

Sep 2310 min read
Seven Red Flags That Quietly Destroy Your Property's Value
Joey DonInvestment Strategy

Seven Red Flags That Quietly Destroy Your Property's Value

Your house hasn't grown in five years. Everyone else in the suburb is up 20%. What went wrong? Almost certainly, one of these seven things.

Sep 2212 min read
Five Property Types That Actually Put Money in Your Pocket Each Month
Joey DonInvestment Strategy

Five Property Types That Actually Put Money in Your Pocket Each Month

A 6.3% rental yield on a Melbourne house sounds like a fairy tale. It's not. We do it every month. But only with five specific property types — and most investors have never heard of at least two of t

Sep 2113 min read
Five Rules That Stopped Us Buying Duds (After 200+ Deals)
Joey DonInvestment Strategy

Five Rules That Stopped Us Buying Duds (After 200+ Deals)

Most property investors lose money because they buy with their gut. After more than two hundred transactions across Melbourne's southeast, we've distilled everything down to five rules. They're not co

Sep 2011 min read
Lost Your Job at 40? Stop Sending Resumes and Start Building Assets
Joey DonInvestment Strategy

Lost Your Job at 40? Stop Sending Resumes and Start Building Assets

I've watched too many talented professionals burn through their confidence sending 200 applications into the void. If you're over 40 and struggling to find work in Australia, the problem isn't your re

Sep 1914 min read
Why Trusting ChatGPT to Buy Your House Could Cost You $200,000
Yan ZhuFinance & Tax

Why Trusting ChatGPT to Buy Your House Could Cost You $200,000

ChatGPT gets each step right 95% of the time. Sounds brilliant. But buying a house isn't one step — it's ten. And 0.95 to the power of 10 equals 59.87%. That's worse than flipping a coin.

Sep 1813 min read
How I Cut My Mortgage Rate by 0.6% Without Refinancing — The Discharge Form Trick
Joey DonSuburb Analysis

How I Cut My Mortgage Rate by 0.6% Without Refinancing — The Discharge Form Trick

My owner-occupier rate is 5.19%. The official posted rate is 5.8%. I didn't refinance. I didn't use a broker. I filled out a single form and waited for the phone to ring.

Sep 1711 min read
We Reviewed 200 Properties and Found the Two Types That Grew Fastest
Joey DonGuides

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

Sep 1612 min read
Dear Young Professionals: Please Stop Trying to Start a Business
Joey DonRenovation & Development

Dear Young Professionals: Please Stop Trying to Start a Business

I managed a $1.5 million profit centre before I was thirty. Then I started my own business. Four years in, I still earn less than my last corporate salary. Here's what I wish someone had told me at tw

Sep 1512 min read
Commercial vs Residential Property: Which One Actually Builds Wealth Faster in Australia?
Yan ZhuProperty Management

Commercial vs Residential Property: Which One Actually Builds Wealth Faster in Australia?

Everyone tells you commercial property has better cash flow. Nobody tells you about the 36% tenant incentives eating your yield, the 65% LVR cap halving your borrowing power, or the 6-12 month vacancy

Sep 1414 min read
3 Traps That Are Quietly Destroying Middle-Class Wealth in Australia
Joey DonMarket Analysis

3 Traps That Are Quietly Destroying Middle-Class Wealth in Australia

Every month I watch another hardworking family slide backwards. Not because of bad luck. Because of three specific decisions that look smart on the surface and destroy wealth underneath. I have sat ac

Sep 1311 min read
Your Super Is Not a Retirement Fund. It Is a Tax Machine. Here Is How to Use It.
Joey DonScam / Warning

Your Super Is Not a Retirement Fund. It Is a Tax Machine. Here Is How to Use It.

A 33-year-old on $150K will retire with $1 million in Super. Sounds great until you apply 3% inflation over 30 years and realise that million is worth $300K in today's money. That is not retirement. T

Sep 1213 min read
How to Buy a Private Estate in Australia Without Getting Burned: A Due Diligence Framework
Yan ZhuInvestment Strategy

How to Buy a Private Estate in Australia Without Getting Burned: A Due Diligence Framework

The real estate agent will show you the rose garden and the sunset views. They will not mention the Crown mineral reservation that gives a mining company the right to drive trucks across your paddock.

Sep 1112 min read
5 Steps You Must Take When Converting Your Home to an Investment Property (Or Pay Thousands Extra in Tax)
Yan ZhuFinance & Tax

5 Steps You Must Take When Converting Your Home to an Investment Property (Or Pay Thousands Extra in Tax)

A client of ours skipped the market valuation before renting out her home. When she sold five years later, she paid capital gains tax on the full $200,000 of growth instead of just the $80,000 that oc

Sep 1011 min read
Why Rising Property Prices Are Actually Dangerous for Most Investors
Joey DonSuburb Analysis

Why Rising Property Prices Are Actually Dangerous for Most Investors

Everyone assumes a rising market means everyone wins. That is dangerously wrong. I have watched investors with five properties go bankrupt during a boom, while first-timers with one well-chosen house

Sep 913 min read
Stop Being a Landlord. Start Being a Business Owner.
Yan ZhuGuides

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

Sep 814 min read
I Bought a Derelict House on 900sqm of High-Density Land. Here Is What Happened.
Joey DonRenovation & Development

I Bought a Derelict House on 900sqm of High-Density Land. Here Is What Happened.

The ceiling had gaps you could fit your hand through. The gutters were growing their own ecosystem. Every builder who walked through shook their head and left. I bought it anyway, because they were al

Sep 713 min read
Five Things to Research Before Making an Offer on a Melbourne Property
Yan ZhuProperty Management

Five Things to Research Before Making an Offer on a Melbourne Property

The buyer who won was not the one with the bigger wallet. It was the one with better information. Here are the five things I check before writing a single number on an offer letter, and why skipping t

Sep 613 min read
Is Australia Heading for a Japan-Style Property Crash? I Spent 20 Hours Comparing the Data.
Joey DonMarket Analysis

Is Australia Heading for a Japan-Style Property Crash? I Spent 20 Hours Comparing the Data.

People keep saying Australia's property market is a bubble about to burst, just like Japan in the 1990s. I decided to actually check. Twenty hours of data later, the answer turned out to be more compl

Sep 514 min read
The CGT Discount Might Disappear. Here's Why Three Types of Investors Will Actually Profit.
Joey DonScam / Warning

The CGT Discount Might Disappear. Here's Why Three Types of Investors Will Actually Profit.

Everyone's losing their minds over the potential CGT reform. I've run the numbers across our portfolio of 350+ transactions, and the truth is uncomfortable: if you bought right and structured right, t

Sep 411 min read

Page 10 of 20 · 478 articles total

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