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Hi all, I was hoping you could help me clarify something. I am new to the game. I have purchased on IP using a hybrid trust controlled by a company trustee. I have two daughters and wife who are beneficiaries. My wife and I are directors of the trustee company. My daughters have worked...

Hi, I am new to this game and have only the one rental so far. In another capital city. The tenants recently moved on and I am looking for new ones. My property manager is supposedly advertising and showing through new ones but without luck. It has been several weeks now. I have a...

Hi, Well, I have taken the leap of faith and purchased my first IP in StKilda East Melbourne. Renovations have just been completed and a tenant has moved in for the next 12 months. I am new to this game. However, I suspect the bigger the asset base I can control sooner rather than later...

Hi all, Can you please clarify something for me? I have recently refinanced to release equity on my PPOR and have set up a LOC of 275K in preparation of starting my property investing. I have a mortgage on my PPOR of 215 and my income 148Kgross/yr. Given my incomes capacity of 490K is...

Hi all, Soon I will be faced with the DSR challenge. I would like to know what options I have available (other than working more hours and pay down debt) and start preparing now. Obviously, there is a lot of info in this forum, Cash Bonds etc. Who is the best adviser to talk to about...

Hi all, I may be able to save about $20K/yr nett. Where should I spend it? Put into my property operating account (buffer) - improve holding power Put it into my index share fund account - improve serviceability 3M

Hi all, I have set up my LOC (buffer account) ready to start buying. This will be my first purchase and I plan on completing my buying phase in 10 years time. I have pre-approval for 400K which with my 20% deposit will afford me a 500K IP + fees etc. I will be left with about 3 years of...

Hi all, I'm thinking about what my end game is going to be. The time where you quit the daily job and spend your time how you wish. Hopefully 10 years from now. In time, my properties are going to grow and there will be equity to use. I understand the LOE technique however, how does...

Hi all, Given you have done you homework correctly and have secured an IP in an area which will hopefully give you a good CG. You would expect 10%+ However, this will obviously not last forever and as a B&H investor you need your overall portfolio to be returning a good CG each year. At...

Hi all, I need asset protection due to my vocation and full tax deductability (for efficient portfolio cashflow not high personal income tax challenges) Buying in my name gets me the deductability (not to mention the ease of getting finance) but no asset protection. Buying in a trust...

Hi all, I am just starting out and would like to create a game plan for how I am going to build my portfolio in order to reach my goals. All assumptions going well, this game plan hopefully will show me that my goals are achievable with the seed capital I have to start with and the time I...

Hi all, I am about to commence building my property portfolio. I am expecting to build it to include at least 5 properties which will take around 10 years to do. I understand the importance of buying in an area that is about to or just starting its upward trend in the property cycle. I...

Hi all, I am about to commence building my property portfolio. My goal is to reach a point where I have options in the way I spend my time. From my starting point I am expecting this to take around ten years and a minimum 5 properties. I am currently wrestling with the decision of buying...

Hi all, Once your property portfolio reaches a point whereby you can begin to live of equity, what should be your strategy? Do you simply draw down on equity to fund your lifestyle directly OR Do you invest the equity in dividend paying shares and live of that? How have others in...

Hi all, How do I know if the asking price of a property is above or below its intrinsic value? What are the key things to look for that gives you the answer? 3M

Hi all, I am in the process of restucturing my loans and accounts in order to access some equity and set myself up correctly for my next purchase. Talking with my mortgage broker, It looks like I will be moving from my current bank (all my current accounts are with the one bank at present)...

Hi all, Looking at historical data for capital growth of residential property over the years, it is clearly obvious that the last 10 years has seen an extrordinary shift in the trend line. How does this now effect the way we look at historical data? What about the databank within the...

Hi all, Where do I go? and how do I research rental demand levels of suburbs? 3M

Hi all, It seems one of the keys to property investing (to get the best deals) is the old saying ; "It's not what you know it's who you know" Being offered to buy a property before it is listed is a postion you need to be in. How is this done? 3M

Hi all, The art of buying below market value is a skill that will literally make or break a deal. How is it done? 3M