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

"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.

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.

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.

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.

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

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.

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

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
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
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.
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.
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
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

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

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

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

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.

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

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

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

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

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

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

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
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