Passive with Property

By Dragan Dimovski

Welcome to Passive With Property, the podcast that shows you how to turn smart property moves into lasting wealth.Hosted by Dragan Dimovski, Qualified Property Investment Adviser and seasoned buyer’s ... more

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FAQs about Passive with Property:

How many episodes does Passive with Property have?

The podcast currently has 55 episodes available.

Passive with Property episodes:

July 07, 2026 Can You Buy Property Without a Deposit?
Can you buy an investment property without having a large deposit saved?
In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria explore how buyers with stable employment and strong borrowing capacity may still be able to enter the Australian property market—even if saving a deposit has been difficult.
Using the example of a 33-year-old buyer earning $120,000 per year but struggling to save, they explain how an experienced mortgage broker structured a solution where her parents guaranteed only the deposit portion of the loan rather than the entire property purchase.
You’ll learn:
👉 How borrowing capacity and deposit requirements are different
👉 Why online borrowing calculators can be misleading
👉 How a broker can reverse-engineer your deposit requirement
👉 How a limited guarantor arrangement may work
👉 Why the guarantor may only secure part of the loan
👉 How future property growth could remove the guarantor
👉 Why the tenant’s rent may help support repayments
👉 The risks guarantors need to understand
👉 Why legal advice and proper contracts are essential
👉 How strategic brokers differ from cookie-cutter brokers
👉 Why buyers should understand the worst-case scenario
👉 How refinancing may help release a guarantor later
They also discuss the responsibilities and risks involved when parents, relatives or friends provide financial security. While a guarantor arrangement can help someone purchase sooner, everyone involved must understand their obligations, seek independent legal and financial advice and enter the agreement with clear expectations.
The key takeaway is that having no deposit does not always mean you have no options. A knowledgeable mortgage broker may be able to identify lending structures that are not obvious through online calculators or basic bank assessments.
🔥 Listen to the full episode now!
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Connect with Buyers Agency Australia
🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book
🎧 Listen to the Passive with Property Podcast:
Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast: https://overcast.fm/itunes1673633552
...more
19min
June 30, 2026 How Bad Property Deals Look Good on Paper
That 6% rental yield or “$150 per week positive cash flow” might look impressive—but does the property still perform once you calculate the real costs?
In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria explain how bad property deals can be made to look profitable by manipulating the numbers. They break down the difference between gross yield and true net cash flow, revealing the expenses investors must calculate before purchasing a property.
You’ll learn:
👉 Why advertised rental yields can be misleading
👉 How your loan amount and LVR affect cash flow
👉 The upfront costs investors often overlook
👉 Why council rates, insurance and management fees matter
👉 How vacancy, repairs and maintenance reduce rental income
👉 Why investors should use an independent rental appraisal
👉 How to calculate a realistic net return
👉 The danger of relying on depreciation and tax benefits
👉 How confirmation bias can distort your property analysis
👉 Why best-case and worst-case calculations both have limitations
👉 How fear-based sales tactics pressure investors into buying
Dragan also shares a practical framework for analysing a property deal, including the purchase costs, borrowing structure, ongoing expenses, realistic rental income and potential interest-rate changes.
The key lesson?
Don’t make your decision based on the most attractive number in a sales presentation. Calculate the real net position, verify the information independently and make sure the investment still works without relying on beautiful assumptions.
📘 Get 20% off Dragan’s book plus free shipping at buyersagencyaustralia.com.au/book using the code BOOK20.
🔥 Listen to the full episode now!
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Connect with Buyers Agency Australia
🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book
🎧 Listen to the Passive with Property Podcast:
Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast: https://overcast.fm/itunes1673633552
...more
16min
June 21, 2026 What Makes a Good Buyer’s Agent? Red Flags Every Property Investor Should Know
Not everyone calling themselves a buyer’s agent is genuinely working for the buyer.
In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria reveal what makes a good buyer’s agent—and the major red flags Australian property investors should watch for before trusting someone with their next purchase.
They explain how some agents receive hidden marketing fees, developer commissions and financial incentives while still claiming to represent the buyer. Amanda and Dragan also break down why these conflicts of interest can lead investors toward overpriced off-the-plan properties, house-and-land packages and cookie-cutter investment strategies.
You’ll learn:
👉 How to confirm whether someone is a genuine buyer’s agent
👉 Why buyer’s agents should only be paid by the buyer
👉 How developer marketing fees create conflicts of interest
👉 Why qualifications and personal investing experience matter
👉 The benefits of accessing off-market and distressed properties
👉 Why SMSF property recommendations can be a major red flag
👉 The risks of using a property investment “one-stop shop”
👉 Why you need an independent broker, accountant and conveyancer
👉 How a good buyer’s agent creates a personalised investment strategy
👉 The questions every investor should ask before signing an agreement
A trustworthy buyer’s agent should advocate exclusively for you, welcome independent scrutiny and recommend properties based on your financial position and long-term goals—not whichever transaction earns them the biggest fee.
📘 Get 20% off Dragan’s book plus free shipping at buyersagencyaustralia.com.au/book using the code BOOK20.
🔥 Listen to the full episode now!
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Connect with Buyers Agency Australia
🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book
🎧 Listen to the Passive with Property Podcast:
Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast: https://overcast.fm/itunes1673633552
...more
25min
June 09, 2026 Interest Rate Hikes: Why Smart Property Investors Buy When Others Panic
Rising interest rates, inflation pressure, global uncertainty, and recession fears are causing many Australian property buyers to freeze — but for smart investors, this could be where the real opportunities begin.
Featuring Dragan Dimovski and Amanda Calabria from Buyers Agency Australia, this episode of the Passive with Property Podcast breaks down what happens when fear takes over the property market.
They discuss why many owner-occupiers and over-leveraged investors may start panic selling, how distressed sales can create buying opportunities, and why prepared investors with strong cash flow, liquidity, and a long-term portfolio strategy may be in a better position to act.
Amanda and Dragan also explain why not all buyer’s agents are equal, how poor advice can leave investors exposed, and why property buyers need to look beyond “cookie-cutter” strategies when interest rates rise.
In this episode, they cover:
👉 Why rising interest rates create fear in the property market
👉 How panic selling can create opportunities for prepared investors
👉 Why debt management is critical in a tougher market
👉 How rental shortages may push rents higher
👉 Why co-living, granny flats, and room rentals can improve cash flow
👉 How to spot poor property advice and avoid bad buyer’s agents
👉 Why quality matters more than quantity in a property portfolio
The key message?
When the market gets noisy, fearful investors often move out — and smart investors move in.
🔥 Listen to the full episode now!
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Connect with Buyers Agency Australia
🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book
🎧 Listen to the Passive with Property Podcast:
Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast:
https://overcast.fm/itunes1673633552
...more
33min
May 15, 2026 How the 2026 Federal Budget Could Impact Property Investors in Australia
Federal Budget Explained: Negative Gearing, CGT & Property Investors

Featuring Dragan Dimovski & Amanda Calabria, Property Educator at Buyers Agency Australia

In this episode of The Passive With Property Podcast, Dragan and Amanda share their initial thoughts on the 2026 Federal Budget and what the proposed changes could mean for Australian property investors, renters and first home buyers.

The biggest talking point?

👉 Negative gearing.

Amanda breaks down why the proposed changes may not impact sophisticated investors as much as people think — especially those with well-structured portfolios that include both positively and negatively geared properties.

But while investors may be able to pivot…

💥 Renters and first home buyers could feel the pressure.

In this episode, they discuss:

✔️ Proposed negative gearing changes
✔️ What “grandfathering” could mean for existing investors
✔️ Why portfolio planning matters more than ever
✔️ How first-time investors could be pushed into cashflow-positive markets
✔️ The possible impact on renters in low-yield areas
✔️ Why off-the-plan and house-and-land packages may become a trap
✔️ Capital gains tax considerations
✔️ Changes around discretionary trusts
✔️ Why smart investors may use the next 3–5 years to position themselves carefully

Amanda also explains why chasing tax benefits alone can lead investors into poor property decisions.

Because negative gearing is not a strategy.

👉 It’s a perk.

Dragan and Amanda also discuss how fear-based advice may start flooding the market, especially from developers, sales-driven buyers agents and property “gurus” looking to push investors into new stock.

Their message is clear:

💥 Don’t panic.
💥 Don’t fear-buy.
💥 Don’t chase tax perks over strategy.

Instead, investors need to understand how these changes may affect the broader market — and how to position themselves based on fundamentals, not hype.

Because in property…

👉 The investors who stay calm, think long-term and avoid the traps are usually the ones who benefit most.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast:
https://overcast.fm/itunes1673633552|
...more
39min
May 12, 2026 Can You Trust ChatGPT for Property Investing Advice?
Can You Trust ChatGPT for Property Investing Advice?

Featuring Dragan Dimovski & Amanda Calabria, Property Educator at Buyers Agency Australia

In this episode of The Passive with Property Podcast, Dragan and Amanda unpack one of the biggest questions facing modern investors:

👉 Can you rely on ChatGPT or AI tools when making property decisions?

With more people using AI for research, contracts, property strategy, and even legal-style questions, Dragan shares real examples of where ChatGPT gave incorrect or misleading answers around property investing, conveyancing, subdivision potential, and contract review.

And the risk?

💥 If you don’t already know the answer, you may not realise when AI gets it wrong.

Dragan and Amanda explain why ChatGPT can be useful as a tool — but dangerous when treated like a professional advisor.

They break down why AI can fall short when it comes to:

✔️ Property contracts
✔️ Conveyancing questions
✔️ Subdivision rules
✔️ Easements and title documents
✔️ State-specific property laws
✔️ Investment strategy
✔️ Personalised financial decisions

Amanda explains that ChatGPT is built around language patterns, not real-world judgement.

It can produce answers that sound confident — but confidence does not always mean accuracy.

They also discuss how AI pulls from publicly available information, forums, websites, and even AI-generated content, which can dilute the quality of the answers investors receive.

That’s why relying on ChatGPT to “save” on professional advice can become an expensive mistake.

Because when you’re investing hundreds of thousands of dollars into property, the wrong answer can cost far more than the professional fee you were trying to avoid.

Dragan and Amanda also explain where ChatGPT can still be useful, such as:

✔️ Preparing questions for your accountant
✔️ Organising your thoughts
✔️ Researching general concepts
✔️ Helping you understand what to ask professionals

But the key message is clear:

👉 Use ChatGPT as a tool — not as your buyer’s agent, conveyancer, broker, accountant, or legal advisor.

Because property investing requires personalised advice, real-world experience, and professionals who understand your specific situation.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast:
https://overcast.fm/itunes1673633552|
...more
14min
May 05, 2026 The Complete Property Investing Blueprint for First-Time Investors
Property Equals Wealth: The Blueprint for Property Investing in Australia

Featuring Dragan Dimovski & Amanda Calabria, Property Educator at Buyers Agency Australia

In this episode, Dragan and Amanda unpack Dragan’s new book, **Property Equals Wealth** — a practical guide designed to simplify property investing, wealth creation, and residential property strategy.

With so much information online, many investors fall into confusion, analysis paralysis, or sales-driven advice that doesn’t always serve their best interests.

That’s why this book brings the property investing process back to the fundamentals:

✔️ Assembling the right A-team
✔️ Understanding the full transaction process
✔️ Choosing the right property
✔️ Designing a property portfolio
✔️ Using leverage wisely
✔️ Understanding property tax
✔️ Negotiating with real estate agents
✔️ Managing risk properly

Dragan explains why the book was created as a step-by-step roadmap for both first-time and seasoned investors who want to build wealth through property without the noise, hype, or developer-driven agenda.

Amanda also highlights how the book breaks down complex topics like leverage, tax, portfolio design, buyer representation, negotiation strategy, and risk management in a way everyday investors can actually understand.

Because property investing isn’t just about buying any property.

It’s about knowing:

👉 Who to trust
👉 What questions to ask
👉 How to structure your strategy
👉 How to manage risk
👉 And how to make informed decisions with confidence

Whether you’re buying your first investment property or building a long-term portfolio, this episode gives you a clear look at what **Property Equals Wealth** is designed to help you do.

🔥 Listen to the full episode now!
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Connect with Buyers Agency Australia:
🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book
🎧 Listen to the Passive with Property Podcast:
Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast:
https://overcast.fm/itunes1673633552|
...more
28min
April 26, 2026 Property Investing for Beginners: When to Move from Buy & Hold to Commercial or Development
When Should You Actually “Level Up” in Property?

Featuring Dragan Dimovski & Amanda Calabria, Property Educator at Buyers Agency Australia

In this episode, Dragan and Amanda break down one of the most common mistakes investors make:

👉 Trying to level up too quickly.

From commercial property…
To subdivisions…
To chasing faster results…

Many investors want to skip straight to the “next level.”

But here’s the reality:

💥 Property is a long game — not a fast one

Amanda explains that jumping into advanced strategies too early means:

❌ Taking on risks you haven’t grown into
❌ Carrying costs you may not be ready for
❌ Building a strategy without a solid foundation

Even with professional guidance?

👉 Risk doesn’t disappear

There are still:

❌ Vacancies
❌ Delays
❌ Market changes

And that’s why they emphasize:

👉 Start with buy and hold
👉 Learn how to manage risk
👉 Build confidence step by step

Dragan also highlights the danger of starting with commercial property:

💥 Long vacancy periods
💥 Rent-free incentives for tenants
💥 Businesses failing — leaving you with no income

Which is why commercial is something you:

👉 Grow into — not start with

They also share a smarter long-term approach:

💬 Buy properties with future potential

Like:

✔️ Larger land size
✔️ Subdivision opportunities
✔️ Flexibility to “level up” later

Because the best investors don’t just think about today…

👉 They think about what that property can become

Amanda reinforces a key point:

👉 You don’t know what you don’t know

Which is why choosing the right professionals matters.

Because the real ROI isn’t just the property…

💥 It’s the decisions
💥 The strategy
💥 The thinking behind it

And finally — a lesson from experience:

Dragan admits he started with a “safe” 2-bedroom apartment…

👉 The cheapest option

And looking back?

💬 It limited his upside

Because in property…

👉 Playing it safe isn’t always the smartest move

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast:
https://overcast.fm/itunes1673633552|
...more
19min
April 12, 2026 Choosing the RIGHT Property Mentor (Most People Get This Wrong)
How to Choose the RIGHT Property Mentor — And Avoid Costly Mistakes

Featuring Dragan Dimovski & Amanda Calabria, Property Educator at Buyers Agency Australia

Dragan and Amanda break down one of the most overlooked factors in property investing:

👉 Who you listen to.

Because here’s the reality:

💥 The right mentor can accelerate your growth
💥 The wrong mentor can keep you stuck for years

Amanda explains how most people naturally turn to peers, family, or friends for advice…
But those same people can either:

👉 Reinforce fear
👉 Or push you toward growth

Dragan shares how having the right mentor gave him confidence to act — turning uncertainty into decisive action.

And here’s where it gets interesting:

💬 Not all mentors are equal.

Some bring:
✔️ Strategy
✔️ Experience
✔️ Perspective

Others?

❌ Opinions with no real-world results
❌ Fear disguised as “advice”
❌ Comfort that leads to inaction

Amanda also reveals a powerful insight:

👉 You don’t need ONE mentor — you need the RIGHT mentors for different areas.

From builders…
To developers…
To even real estate agents (when used properly 👀)

But the key?

💥 Learning who to listen to — and who to filter out.

Because in property…
The voices around you can shape your entire financial future.

🔥 Listen to the full episode now: (episode link)

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast:
https://overcast.fm/itunes1673633552|
...more
26min
March 24, 2026 How Property Depreciation Really Works in Australia
Everything You THINK You Know About Depreciation… And Why Tuan Says It’s NOT the Priority
With Tuan Duong (Duotax) + Amanda Calabria, Property Educator at Buyers Agency Australia
In this episode, Amanda and I sit down with Tuan Duong from Duotax — one of Australia’s leading depreciation experts — and we go deep on all things depreciation.
We talk about:
💬 what you can claim
💬 how depreciation actually works
💬 the difference between plant & equipment vs capital works
💬 why reports matter
💬 what people misunderstand
💬 and how depreciation fits into a long-term strategy
But the biggest surprise?
👉 Tuan — a quantity surveyor who writes depreciation schedules for a living — says depreciation is NOT a high-priority factor when choosing an investment property.
Coming from someone whose entire profession revolves around depreciation, that says everything.
We unpack why:
✔️ fundamentals matter more
✔️ you should never buy purely for tax benefits
✔️ depreciation sweeteners fade, but land value doesn’t
✔️ chasing deductions can lead you into the wrong asset
It’s an honest, practical, myth-busting conversation every investor needs to hear.

🔥 Listen to the full episode now.
⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.
Guest Details — Tuan Duong, Duotax
🌐 Website: duotax.com.au
Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au
📞 Book your free 15-minute call → https://propertysession.com.au/15
📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:
Spotify:
https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3
Apple Podcasts:
https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast:
https://overcast.fm/itunes1673633552|
...more
43min

FAQs about Passive with Property:

How many episodes does Passive with Property have?

The podcast currently has 55 episodes available.