Today we welcome a special guest, Dr Bi, Sydney based doctor, founder of Investing for Doctors facebook group, and also more recently IFD podcast also. He is also founder of Australian Medical angels.

In this 1st part, we get to know Dr Bi, his background, journey through medicine, also how created one of the largest fb groups for doctors and dentists in Australia, and also what learnt from seeing so many doctors ask similar questions.

➢money backstory, growing up in China and Singapore

➢neuroscience at USyd, to medical school

➢pivoting from surgical career to ED CMO, and also business ventures

➢Investing for Doctors Facebook group with 30,000+ members- what are some common themes/issues facting doctors and dentists in regards to finances

➢what can doctors do today to improve their financial future

Connect with Bi: Home - Doctor Bi

Other episodes:

Dev Raga personal story (Frugality, surgery to GP, net worth target)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

Tasmania had a massive growth run 2016-2022, so why are some investors buying now? New AFL stadium, new larger and faster Spirit of Tasmania ferries etc.

Growth has occurred already in the last 6-12months, with yields compressing, now below 5%. A lot of investors and buyers agents hunting for properties.

Devonport in particular has had a stellar growth of 16% in the last 12months at time of recording.

When a selling agent asks for "best and final offer", what does that mean?

Other episodes:

Property predictions for 2026

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

In this episode, joined by doctor and mortgage broker Leon, we discuss Melbourne and regional Victoria market for 2026 and beyond.

Some suburbs including Broadmeadows, Dallas, Frankston have gone up 10-20% in the last 12 months. Stay to the end where we discuss some controversial suburbs: Werribee, Melton.

We also discuss the property purchasing process, from finance preapproval, to finding a property and then conveyancing, building pest through to settlement. Hot tip: check the special conditions on the contract of sale.

Other episodes:

Melbourne HOT or NOT? with Richard Bharata

Darwin property 2026?

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

In this informal stye chat with optometrist turned BA Johnson, we discuss why getting your first 1 or 2 properties is so important, not just for equity growth but also investor confidence.

Then we discuss scenarios when people are stuck with a couple of properties, and not sure how to progress.

We discuss where value plays can be had- including Melbourne and Victoria such as Bendigo, Ballarat, Geelong. However one downside is the lower rental yields.

Perth, Brisbane, and Darwin is still rising strongly.

Supply and demand is important, with indicators such as days on market, vacancy rates, as well as building approvals.

Johnson- Prime Vantage

Other episodes:

initial chat with Johnson- 6 properties in under 3 years (Johnson Lin)

Property predictions for 2026

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

In this episode, we discuss 6 ways doctors (or really anyone) can improve their borrowing power, to purchase their next property.
Joined again by mortgage broker and doctor Leon, we discuss
1.improving income (assessable vs non-assessable)
2.reducing credit cards (or at least reducing limit)
3.getting rid of car loans/personal loans
4.checking credit history
5.finding an investment savvy mortgage broker
6.selling property?

Other episodes:

How medical student Leon bought 3 properties(800k equity)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

Lending is critical for growing a property portfolio, and there are some significant changes coming to borrowing in 2026. 

In this update, joined by doctor and mortgage broker Leon, we discuss 2 big changes for 2026- DTI (debt- to- income ratio) limits, and also trust lending changes- big banks including Macquarie and CBA have pulled out. 

And also we discuss importance (or more importantly, really how important) interest rates are for those looking to buy in 2026.

I'm on a mission to improve doctors financial literacy, especially when comes to property. Follow Leon and also my socials, for more tips and behind the scenes into our daily lives:

Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Leon | Mortgage Doctor (@themortgagedoctor_) • Instagram photos and videos

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

Where to buy in 2026? Many investors have started buying in Darwin, a relatively affordable capital city in Australia. I share some recent purchases, rental yields, drivers for growth.

Other episodes:

Buying my first property at 23 years old

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

Will admit more recently I have been leaning more towards capital growth rather than cashflow, especially when earlier in investing journey/accumulation phase. One reason being, if working, any additional income will be taxed at your marginal tax rate, and for many doctors that's the highest tax bracket 47%.

May make more sense in retirement to have focus on cashflow.

Of course, cashflow management is still important- do not want too negatively geared properties to the point that you can't hold them.

In this episode with BA Richard, we discuss some cashflow strategies- granny flat, duplex, unit blocks, NDIS, rooming homes.
Also, we talk about some common sayings "Cashflow keeps you in the game but capital growth gets you out of the rat race"

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

In this episode, I discuss property predictions for 2026!

SQM boom and bust report 2026 discusses what growth to be expected for different cities next year. It was bit suprising to me still expecting strong growth for Adelaide, Perth, Brisbane (surely near the peak?...or not)

I also discuss some of the markets I have been purchasing in also.

Let me know where are you buying in for 2026? And which market do you think will perform the best?

Resources:

25.11.25_Housing_Boom_and_Bust_report_2025_media_release.pdf

Other episodes:

Melbourne HOT or NOT? with Richard Bharata

Perth buyers agent (David Hall Interview Part 1)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube

Amazing to hear people able break through barriers- I was astounded when heard uni student was able to purchase 3 properties (I had zero myself as a medical student). Listen to this episode to see how Leon Polychronopoulos was able to do so.

How first home buyer grants may not be the best choice (opportunity cost of buying in Geelong at the wrong time in the cycle)

How use financing options (dad as co-borrower)

What he looks for when picking a suburb to buy, how unconditional offers may get you the property in a hot market.

How inspired to pursue mortgage broking on the side.

Check out more about Leon at https://www.instagram.com/themortgagedoctor_/

other health professionals who have shared their property portfolios:

6 properties in under 3 years (Johnson Lin)

How a couple built a 40 property portfolio in Australia

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Youtube channel/video podcast: Passive Income Doctor - YouTube