In this episode, Victor Kumar sits down with seasoned investor Dave Zammit to unpack his journey from purchasing his first $80K villa to building a diverse property portfolio. Dave shares the pivotal moments that shaped his strategy, the lessons learned from market cycles, and why adaptability is key to long-term success.

Key Takeaways:

-Start small, but start early – leverage compounding growth over time.

-Market cycles create both opportunities and risks – know when to pivot.

-Avoid relying on a single industry or strategy for security.

-Build a team of trusted professionals to accelerate results.

-Keep evolving your goals as your circumstances and portfolio change.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar join Phil Tarrant to unpack what “value” really means in property – and why it’s much more than just the purchase price.

The trio explores how value is shaped by finance, planning, taxation, and asset protection – and how smart investors use these pillars to design their decade ahead.

Victor explains that interest rates are only one part of the finance equation, urging investors to understand LVRs, loan structuring, and how to use debt strategically rather than fear it. Reshmi then challenges the idea that low debt equals success, instead making the case for smart leverage that fuels sustainable portfolio growth.

Planning is positioned as the strategic map for investors, helping avoid distractions and keep portfolios aligned with personal and financial goals.

On tax, Victor reframes it as an opportunity rather than a burden, urging listeners to think long-term and structure their affairs accordingly. Reshmi adds that fixating on tax minimisation can sometimes hinder wealth creation – and that a balanced, strategic approach is more powerful.

The pair also highlight the importance of asset protection and strong personal and professional relationships – often overlooked, but essential to portfolio longevity.

This week on Property Investing Insights, Victor Kumar sits down with long-time client Luke Smith to unpack a decade of real-world investing. From building his first home in his 20s to managing a multi-state portfolio (with a few hard lessons along the way), Luke shares the highs, the headaches, and the mindset that kept him moving forward.

💡 Key takeaways:

– Starting with lifestyle in mind

– Learning from mistakes (including a finance misfire)

– Navigating tenant troubles

– Building buffers and bouncing back

– Planning the next 10 years with confidence

Whether you're starting out or scaling up, Luke’s journey proves property investing is about smart decisions, not shortcuts.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to unpack property investment strategies, highlighting the power of long-term thinking and personalised approaches.

The trio unpacks various strategies suited to different investor stages, from the foundational “buy and hold” to the more advanced “build and balance” and generational investing.

Victor illustrates the build and balance strategy through a real example in Dapto, where adding a granny flat and studio significantly boosts rental yield and asset value.

The team stresses that true wealth in property is rarely achieved quickly, advocating instead for strategic patience and informed decision-making.

As investors mature, they may graduate to generational investing, though Victor warns against entering the commercial property space prematurely without a strong equity base.

The hosts also discuss the importance of aligning investment strategies with individual circumstances such as age, goals, and financial capacity.

While artificial intelligence offers useful insights, Victor argues it can’t replace human judgement in understanding local markets and deal-making.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to discuss the changing landscape of property and finance.

The trio explores the increasing presence of women in finance, with Reshmi highlighting the positive shift towards a more inclusive industry compared to two decades ago.

Victor reflects on the challenges today’s investors face, noting that while information is more accessible, the market is also saturated with competing voices and strategies, making it harder to build trust and stand out.

The conversation also covers the influx of younger, tech-savvy investors, who are reshaping the industry with fresh perspectives.

Both Reshmi and Victor emphasise the importance of having a clear investment strategy and a solid exit plan, highlighting that retiring debt is the ultimate goal, achievable through surplus income, portfolio income, selling assets or, humorously, winning the lottery.

The trio says that investors should ensure each property purchase aligns with their long-term financial goals, and that focusing on capital growth is crucial to achieving financial freedom.

As the property landscape continues to change, they advise investors to view their journey as a process requiring clear goals, adaptability, and an understanding of how to navigate the market effectively.

In this episode of Property Investing Insights, Victor Kumar sits down with long-time client and investor Mitchell Burge. Starting with a single property over a decade ago, Mitch now holds a diversified, $15 million portfolio.

From early sacrifices to now enjoying financial freedom, Mitch’s story is a testament to what patience, persistence, and a clear strategy can build over time. With real-world insights and a no-nonsense approach, this episode highlights the importance of starting early, staying consistent, and trusting the process—even when growth is slow.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to discuss the intricacies of property investing and the concept of age-appropriate investing.

The trio look into how investment strategies must evolve, illustrating the importance of timing, both in life and in investments.

They emphasise that investment strategies must evolve in tandem with life stages - from career beginnings to retirement - while also taking into account family dynamics and the importance of shared goals and open communication when investing as a couple.

Reshmi Kumar advocates for female financial independence through property ownership, urging young women to start investing early. She explains that with the right plan, women can achieve significant financial growth by their mid-30s.

Additionally, the trio discuss how property investment is no longer limited by geography, thanks to digital tools and a globalised economy, which has opened up opportunities for Australians living abroad to invest back home, building a nest egg for their eventual return.

In this episode, hosts Phil, Victor, and Reshmi dive into a practical and insightful discussion around the "4 D’s" of property investing: Diversification, Debt, Direction, and Defense.

The conversation explore how property investors can move from accumulation to consolidation and why these four pillars are critical during the mid-phase of a portfolio’s journey.

Have questions or want to discuss your investment strategy? Contact Right Property Group for expert guidance. Click the link to book a time to chat with us:

https://rightpropertygroup.com.au/blueprintsession/

Connect with Us:

Website: www.rightpropertygroup.com.au

Instagram: www.instagram.com/rightpropertygroup/

Facebook: www.facebook.com/RightPropertyGroup

LinkedIn: www.linkedin.com/company/rightpropertygroup/

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to discuss creating a decade-long property investment strategy focusing on clear goals, strategic planning, and adapting to market changes.

The trio begins the podcast by reflecting on the early years of their investment journeys, highlighting the critical importance of the first year in property investment – a time when foundational decisions can either accelerate or derail an investor’s path.

The property experts also urge first-time investors to choose their advisers wisely, as they’ll be key in putting together a tailored investment strategy that considers both current and future financial needs.

The conversation also touches on the evolving landscape of property investment, where social media and digital platforms have introduced new dynamics and challenges.

In this episode, co-host Phil Tarrant sits down with seasoned investors Victor and Resmi Kumar to delve deep into the world of property investing.

What to Expect:

-we discuss our personal investing journey and the strategies that have led to our success

-Discover the importance of simplicity and long-term planning in achieving -your investment goals.

-Learn how to effectively manage cash flow and make strategic selling decisions.

-Gain insights on the significance of collaborating with knowledgeable professionals in the real estate sector.

Join us for an exclusive Property Investment Education event! Network with experts and expand your knowledge.

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👉 Register here: https://www.eventbrite.com.au/e/property-investment-education-tickets-1260572519339?aff=oddtdtcreator

Click the link to book a time to chat with us:

https://rightpropertygroup.com.au/blueprintsession/

Connect with Us:

Website: www.rightpropertygroup.com.au

Instagram: www.instagram.com/rightpropertygroup/

Facebook: www.facebook.com/RightPropertyGroup

LinkedIn: www.linkedin.com/company/rightpropertygroup/