The Property Nerds

There is plenty of content explaining the benefits of buying property in a trust or company, but very few talk about the reasons to avoid it. Jumping into a complex structure without understanding the lending realities can accidentally limit lender options, restrict the ability to pull out equity, and lock investors out of scaling their portfolios.

In this episode, Arjun Paliwal (CEO of InvestorKit) sits down with Jack from Fouracre Financial to break down the downsides of complex ownership structures. They cover the steep setup and ongoing costs, why trust lending usually means higher interest rates, and why the exact same bank will treat applicants completely differently in a trust versus a personal name. They also unpack the hidden dangers of buying with siblings or friends—including why banks may hit borrowers with 100% of the debt but only credit them for 50% of the rent—and the specific lender policies that can help those already in that position.

Chapters:

0:00 – Same Bank, Different Policy: Personal Name vs Trust

1:35 – Why Set Up a Property Structure in the First Place?

2:36 – The Hidden Setup & Ongoing Costs of Trusts

4:06 – Interest Rate Premiums & Losing Negative Gearing Deductions

7:07 – How Trust Structures Halve Your Bank Options

8:48 – The Loss of Exclusions & Valuations Limits Over the Past Year

11:01 – The Bank Policy Trap on Cash Outs

11:41 – Buying with Siblings & Friends: The Common Debt Reducer Trap

14:32 – Property Share: The Policy That Saves Co-Buyers

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: ⁠⁠⁠⁠https://www.investorkit.com.au/discovery-call/⁠⁠⁠⁠

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: ⁠⁠⁠⁠fouracrefinancial.com.au⁠⁠⁠⁠

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 ⁠⁠⁠https://www.investorkit.com.au⁠⁠⁠

✅ CONNECT WITH INVESTORKIT:

Website: 👉 ⁠⁠⁠⁠https://www.investorkit.com.au⁠⁠⁠⁠

Send your questions to: 👉 ⁠⁠⁠[email protected]⁠⁠⁠

Follow us on Facebook: 👉 ⁠⁠⁠⁠https://www.facebook.com/InvestorKit⁠⁠⁠⁠

Follow us on Instagram: 👉 ⁠⁠⁠⁠https://www.instagram.com/investorkit.com.au⁠⁠⁠⁠

Subscribe to our YouTube Channel: 👉 ⁠⁠⁠⁠https://www.youtube.com/@investorkit⁠⁠⁠⁠

Connect with us on LinkedIn: 👉 ⁠⁠⁠⁠https://www.linkedin.com/company/investorkit⁠⁠⁠⁠

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

People don't realise there are three big things about to happen. Listings are coming on and piling up through October and November, then they tank over Christmas as agents go on break and buyers and sellers just want to get it done. Yields are rising, not because rents are booming, but because prices are coming back down. And around every RBA rate rise, buyers get nervous and open homes get quieter.

In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) and Jack Fouracre from Fouracre Financial break down what's happening in lending right now and why the next three months could be a buying window you look back on. They cover what a 0.25% rate rise does to your borrowing power, the price war among non-major lenders, how a 40-year loan term changes the way your debt is assessed, and how buffer-based lending can take the pressure off your cash flow.

They also cover why business owners use equity buffers rather than paying themselves a bigger wage, and why now is a good time to get pre-approved.

Chapters:

0:00 – People Don't Recognise There's 3 Big Things About to Happen

1:51 – Rates Have Risen. What Does 0.25% Do to Your Borrowing Power?

2:47 – The Price War Among Non-Major Lenders

3:52 – Policy Shifts: 40-Year Terms and Interest-Only

4:11 – What Rate Rises Mean for Bigger Portfolios

4:45 – 40-Year Loan Terms: How Your Debt Gets Assessed

6:42 – What Is Buffer-Based Lending?

8:08 – The Maths: $18K a Year vs a $100K Buffer

9:45 – Why Business Owners Use Buffer Lending

10:34 – The ATO Credit Card Backflip

12:59 – Finance Consultation vs Finance Strategy

14:18 – Do Pre-Approvals Still Count When Rates Rise?

15:24 – Big Thing #1: Listings Before Christmas

15:57 – Big Thing #2: Yields Rising as Prices Come Back

16:15 – Big Thing #3: Fewer Buyers Around RBA Rate Rises

16:45 – How Fouracre Financial and InvestorKit Work Together

17:54 – Recap: The Buying Window, Rate Impacts and Bank Price Wars

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: ⁠⁠⁠⁠https://www.investorkit.com.au/discovery-call/⁠⁠⁠⁠

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: ⁠⁠⁠⁠fouracrefinancial.com.au⁠⁠⁠⁠

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 ⁠⁠⁠https://www.investorkit.com.au⁠⁠⁠

✅ CONNECT WITH INVESTORKIT:

Website: 👉 ⁠⁠⁠⁠https://www.investorkit.com.au⁠⁠⁠⁠

Send your questions to: 👉 ⁠⁠⁠[email protected]⁠⁠⁠

Follow us on Facebook: 👉 ⁠⁠⁠⁠https://www.facebook.com/InvestorKit⁠⁠⁠⁠

Follow us on Instagram: 👉 ⁠⁠⁠⁠https://www.instagram.com/investorkit.com.au⁠⁠⁠⁠

Subscribe to our YouTube Channel: 👉 ⁠⁠⁠⁠https://www.youtube.com/@investorkit⁠⁠⁠⁠

Connect with us on LinkedIn: 👉 ⁠⁠⁠⁠https://www.linkedin.com/company/investorkit⁠⁠⁠⁠

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Their first two properties went nowhere. Off-the-plan apartments bought on family advice that produced zero growth and years of frustration. Fast forward to today. Dr Rex Kwan and Melissa Tsui hold a $7M+ portfolio across multiple states with over $2M in equity. They built all of it without visiting a single property. They'd never even met Arjun in person until this recording.

In this episode, Arjun Paliwal (CEO of InvestorKit) sits down with Rex and Mel to walk through the full journey. How they went from losing money on their first purchases to rent vesting deliberately, investing in towns Mel had never heard of, and building a portfolio that means they never have to worry about retirement again.

Chapters:

0:00 – We've Never Seen Any of the Houses We Bought. We Still Trusted You.

2:45 – $7M Portfolio, $2M in Equity. How Does That Feel?

5:51 – What Inspired Rex to Start Investing

7:13 – The Off-the-Plan Mistake: Family Advice That Didn't Work

10:02 – Mel's Inspiration and Her Own Off-the-Plan Loss

12:02 – Why a Doctor and a Lawyer Still Need a Team

14:43 – The Dream Maker: How the Portfolio Was Built

16:20 – Investing in Towns She Thought Were Made Up

19:18 – The Most Surprising Part of the Portfolio

21:27 – Rent Vesting: The Hack That Made Everything Possible

25:15 – Mel's Top Advice: Start Young and Get Educated

28:13 – Rex's Top Advice: Time in the Market and the Right Team

32:47 – The Checklist: Borrowing, Cash, Cash Flow, Buffer, Plan

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: ⁠⁠⁠https://www.investorkit.com.au/discovery-call/⁠⁠⁠

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: ⁠⁠⁠fouracrefinancial.com.au⁠⁠⁠

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 ⁠⁠https://www.investorkit.com.au⁠⁠

✅ CONNECT WITH INVESTORKIT:

Website: 👉 ⁠⁠⁠https://www.investorkit.com.au⁠⁠⁠

Send your questions to: 👉 ⁠⁠[email protected]⁠⁠

Follow us on Facebook: 👉 ⁠⁠⁠https://www.facebook.com/InvestorKit⁠⁠⁠

Follow us on Instagram: 👉 ⁠⁠⁠https://www.instagram.com/investorkit.com.au⁠⁠⁠

Subscribe to our YouTube Channel: 👉 ⁠⁠⁠https://www.youtube.com/@investorkit⁠⁠⁠

Connect with us on LinkedIn: 👉 ⁠⁠⁠https://www.linkedin.com/company/investorkit⁠⁠⁠

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

There's a difference between a broker who gets you approved and a strategist who structures each purchase so the next one is already set up before you've settled the first. In 12 months, one client built $1.2M in equity across 8 properties. None of them were cash flow positive. They didn't need to be. The plan was always to sell down, clear the debt, and reset.

In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Corey Goldby, Managing Director at Source Financial. Corey runs both a brokerage and an accounting firm, which means his clients never get stuck between two professionals giving conflicting advice.

They cover why second and third tier lenders are more valuable right now than at any other time in history, why 95% low-doc lending just appeared above 80% for the first time in Corey's entire career, why a $200K property gain can shrink to $30K after entry and exit costs, and why the tension between minimising tax and maximising borrowing is the conversation most business owners aren't having honestly enough.

Chapters:

0:00 – You Want to Pay Less Tax and Borrow More. You Can't Have Both.

1:23 – What the Word Strategy Actually Means From a Finance View

2:45 – How the Appetite of Investors Has Changed Post-Budget

5:00 – Why Second and Third Tier Lenders Are More Valuable Than Ever

6:37 – Cash Flow Today Won't Be Cash Flow Forever

8:14 – One Client. 8 Properties. $1.2M in Equity. 12 Months.

9:42 – The 11% Transactional Swing Most Investors Don't Calculate

12:14 – The Buffer Strategy: Why You Leave Equity Behind on Purpose

14:08 – Getting Unstuck: Structures, Tiers, and the Lending Loophole Myth

16:46 – Why Your Accountant and Your Broker Need to Be on the Same Page

19:03 – Finance and Tax Under One Roof: Why Alignment Changes Everything

23:16 – You Can't Have Your Cake and Eat It Too: Tax vs Borrowing

24:54 – 95% Low-Doc Lending and What's Changing for Business Owners

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: ⁠⁠https://www.investorkit.com.au/discovery-call/⁠⁠

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: ⁠⁠fouracrefinancial.com.au⁠⁠

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 ⁠https://www.investorkit.com.au⁠

✅ CONNECT WITH INVESTORKIT:

Website: 👉 ⁠⁠https://www.investorkit.com.au⁠⁠

Send your questions to: 👉 ⁠[email protected]⁠

Follow us on Facebook: 👉 ⁠⁠https://www.facebook.com/InvestorKit⁠⁠

Follow us on Instagram: 👉 ⁠⁠https://www.instagram.com/investorkit.com.au⁠⁠

Subscribe to our YouTube Channel: 👉 ⁠⁠https://www.youtube.com/@investorkit⁠⁠

Connect with us on LinkedIn: 👉 ⁠⁠https://www.linkedin.com/company/investorkit⁠⁠

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Investment lending has shifted. While most investors were still processing the post-budget borrowing power drop, banks quietly started loosening policy. Rental income shading moved from 80% to 95%. 95% LVR on investment loans went from rare to common. And the borrowing power gap that started at 30% post-budget is now within 10%.

In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to break down what these shifts mean for your next purchase. They walk through how the same deposit that bought one property at 80% LVR can now stretch to two or three at 95%, why buffer matters more than weekly cash flow right now, and why LMI isn't a sunk cost if you refinance within the first year or two.

They also cover why Spring 2026 is shaping up as a buying window nobody expected and why rents are tracking $80 a week increases when Treasury modelled $2.

Chapters:

0:00 – No One's Coming to Save You. Your Investment Property Journey Is You Saving Yourself.

1:01 – Rental Income Shading: From 80% to 95% and What That Means for Servicing

2:27 – The 30% Borrowing Power Drop Is Now Within 10%

3:18 – 95% LVR on Investment Loans: The New Normal

4:21 – How Far Your Deposit Can Actually Take You Now

6:22 – LMI Refunds: The Money Most Investors Don't Know They Can Claim Back

7:15 – The Market Shift Happening in Spring 2026

8:44 – The 2027 Hockey Stick: What Bank Forecasts Are Telling Everyday Investors

9:02 – Why Buffer Matters More Than Cash Flow Right Now

10:56 – $80 a Week Rent Increase. Treasury Predicted $2. Do the Maths.

11:10 – No One's Coming to Save You. Here's How You Save Yourself.

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: ⁠https://www.investorkit.com.au/discovery-call/⁠

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: ⁠fouracrefinancial.com.au⁠

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au

✅ CONNECT WITH INVESTORKIT:

Website: 👉 ⁠https://www.investorkit.com.au⁠

Send your questions to: 👉 [email protected]

Follow us on Facebook: 👉 ⁠https://www.facebook.com/InvestorKit⁠

Follow us on Instagram: 👉 ⁠https://www.instagram.com/investorkit.com.au⁠

Subscribe to our YouTube Channel: 👉 ⁠https://www.youtube.com/@investorkit⁠

Connect with us on LinkedIn: 👉 ⁠https://www.linkedin.com/company/investorkit⁠

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Most property owners in Australia are on autopilot. They get a loan, set up their repayments, chase a slightly better rate every couple of years, and forget about it for 30 years.

In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Kat Marsalek from Finance Differently to unpack a completely different approach to mortgages.

Kat has over 22 years in finance, spent years inside the banking system, and now runs a debt reduction practice where her clients are on track to pay off their mortgages in an average of 7 years and 7 months.

Chapters:

0:00 – Why Handing Out a Million Dollar Interest Bill With No Plan Is Irresponsible

2:35 – Kat's Background: 22 Years in Finance and Why She Started Finance Differently

4:06 – Financial Autopilot: The Enemy Nobody Talks About

6:25 – Same Income, Same Bank, Completely Different Outcomes

8:09 – The $1.3 Million Interest Bill He Didn't Know He Had

9:14 – 46 Strategies, 2 Used, $1 Million Saved in 5 Minutes

11:43 – The 30-Year Loan Was Designed by Banks for a Reason

14:09 – What Is Your Effective Interest Rate and Why It Matters

15:24 – Redraw vs Offset: Why Redraw Is Not Your Money

17:32 – Quick Wins: Ghost Subscriptions, Income Shifts, and Selling the Toys You Never Use

21:21 – From 16 Debts and Nearly Losing Their Home to Talking About Investing in 4 Weeks

24:39 – Consolidation Done Wrong: The Mistakes That Keep People in Debt

29:28 – Her Mission: Legislate a Debt Reduction Plan for Every Home Loan in Australia

35:02 – Why Your Home Loan Needs to Be Sorted Before You Can Invest With Peace of Mind

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: https://www.investorkit.com.au/discovery-call/

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au

✅ CONNECT WITH INVESTORKIT:

Website: 👉 https://www.investorkit.com.au

Send your questions to: 👉 [email protected]

Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit

Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au

Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit

Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Three months ago, Arjun and Jack made predictions about what the budget changes would actually do to property investors. Three months on, some came true, some haven't yet, and one turned out to be a bank mistake that cut borrowing power by 30% almost overnight.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) and Jack Fouracre from Fouracre Financial go through the scorecard. They break down the calculator error banks made, why "trusts are dead" was wrong, why APRA's lending buffer is still too high for today's rates, and why rents are growing closer to 10% this year — not the $2 the government predicted.They also look at what happens next: whether negative gearing comes back in 2028 or not, and why investors who moved early are already better off either way.🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: fouracrefinancial.com.au✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.auSend your questions to: 👉 [email protected] us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

The government's budget was framed entirely around helping first home buyers. Three months on, the data tells a different story: first home buyers aren't more active, they're more nervous, and the changes meant to help them may be pushing them further from the market instead of closer to it.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to break down the three ways this budget isn't delivering on its own promise. They cover why offering 95-98% loans doesn't matter if confidence is gone, why investors chasing higher yields to offset deferred negative gearing are now competing directly with first home buyers at the affordable end of the market, and why rents rising well beyond Treasury's modeled 2% increase are quietly eating into the deposits first home buyers are trying to save.They also unpack the compounding, often invisible effects of rising rents, how it can push people into cheaper suburbs further from work, and how that single decision can end up affecting someone's income and career trajectory for years.Chapters:0:00 – Why First Home Buyers Aren't Buying, Even With Bigger Loans on Offer1:41 – The Three Ways This Budget Isn't Helping First Home Buyers3:00 – From 13th on the Offer List to Winning: What Actually Changed5:38 – Why Helping One Group by Hurting Another Never Works6:38 – Why Investors Are Chasing Yield, and Competing With First Home Buyers9:19 – The $2 Rent Forecast vs. What's Actually Happening9:40 – The Hidden Cost of Rising Rents: Jobs, Suburbs, and Career Trajectories12:35 – What This Means If You're an Investor Right Now🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: fouracrefinancial.com.au✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.auSend your questions to: 👉 [email protected] us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Since the budget, the headlines have been telling one story: prices are falling, sentiment is crashing, buyers are running scared. The actual data tells a very different one, and the gap between the two is exactly where the opportunity sits.

In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre, Head of Broker Division, from Fouracre Financial to unpack the real, on-the-ground behaviors happening post-budget, not the media narrative. They cover why owner-occupiers and investors alike are suddenly refusing to sell, why some are switching their own home loan to interest-only years before turning it into an investment property, and why the "accidental investor" problem is quietly reshaping portfolios based on government decisions rather than actual investment strategy.

They also break down the real quartile-based market data: why the lower end of the market has now outperformed the top end for six straight years, why Sydney is sitting at a 2019-style inflection point for upsizers, and the six-part "other side" Arjun believes almost nobody is factoring into their decision right now, including falling interest rates, rising servicing capacity, and stronger rental yields all converging at once.

Chapters:

0:00 – Why This Is the Best Time to Buy (And the Bias Behind Saying It)

1:43 – What Owner-Occupiers and Investors Are Actually Doing Post-Budget

3:00 – The Interest-Only Trick Investors Are Using on Their Own Home

6:01 – The Accidental Investor Problem Nobody's Talking About

8:52 – Calling Out the BS Headlines: What the Real Data Shows

10:33 – Why the Lower End Has Beaten the Top End for Six Years Straight

12:47 – Sydney's 2019 Moment: Why Upsizers Have Never Had It Better

14:00 – What Actually Shifts Market Sentiment From Here

19:19 – The "Other Side" Nobody's Pricing In Yet

22:12 – The Lending Trends Banks Don't Want You to Notice

🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026"

Book your discovery call here: https://www.investorkit.com.au/discovery-call/

If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: fouracrefinancial.com.au

✅ HOW WE CAN HELP YOU:

By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au

✅ CONNECT WITH INVESTORKIT:

Website: 👉 https://www.investorkit.com.au

Send your questions to: 👉 [email protected]

Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit

Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au

Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit

Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Being time-poor doesn't feel like a wealth-building risk. It feels like just being busy. But for high-income professionals working overtime, night shifts, and specialty training, that busyness can quietly stall a portfolio for years without anyone noticing until the gap becomes the story.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Sudesh, a doctor who bought his first two properties in his 20s in his own backyard in Melbourne, then went four years without buying again simply because life, training, and time got in the way. After a divorce and a reset in 2021, Sudesh partnered with InvestorKit and bought four more properties across Western Australia, Queensland, and New South Wales in just two years, growing $780K in equity on those four purchases alone.They unpack the "third decade" concept and why compounding makes your 30s the most powerful decade to invest in, why diversifying across states turns a portfolio into something closer to a leveraged ETF, and why Sudesh believes the biggest shift wasn't the properties themselves, it was trusting a team enough to move faster than he ever had before.Chapters:0:00 – Time Is a Friend and a Killer at the Same Time1:34 – The Journey So Far: 6 Properties, 4 States, $6M3:57 – The Third Decade Effect: Why Your 30s Matter Most6:57 – Buying His First Two Properties in His Own Backyard13:01 – The 4-Year Gap: What Time-Poor Really Costs You15:51 – The $1.5M Apartment That Changed His Thinking20:53 – The Mindset Shift: Buying Property He'd Never Seen22:35 – Why Diversity Turns a Portfolio Into a Leveraged ETF30:59 – From Residential to Commercial: What Comes Next32:57 – The Wealth Effect: Why It Was Never About the Money36:04 – Why He Took Action While Others Waited41:32 – The Real Challenges Behind Scaling a Portfolio This Fast🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: fouracrefinancial.com.au✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.auSend your questions to: 👉 [email protected] us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.