Unemployable Property

Originally released on Unemployable Media on 24 June 2025.

This episode has been re-released on the Unemployable Property channel as part of our dedicated property archive - bringing our best property conversations together in one place.

Think you need to go to NAB or Commonwealth to fund your next property deal? Think again. In this episode we sit down with Chris Wright from Fincierge, a property development finance expert who has helped fund over 200 million dollars in deals. He breaks down exactly how developers in Australia are getting projects off the ground without using traditional banks. We cover private lending, mezzanine finance, capitalised interest, and the creative ways you can raise money for land subdivisions, townhouses, and more, even if you do not have a full time job or bank approved income. If you are serious about making money in property, you need to hear this.

👉 Join the free Unemployable 11-part video series:

https://go.unemployableproperty.com.au/11partseries

 👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty 

Chapters:

00:00:00 Introduction to Finance and Property Podcast  

00:08:44 Understanding Different Types of Property Loans  

00:17:13 Understanding Equity Uplift and Debt Levels  

00:27:00 The Importance of Taking Action in Property Investment  

00:34:22 The Power of Word-of-Mouth in Finance  

00:42:32 Understanding Capitalized Interest and its Impact  

00:51:17 Understanding Property Development Capital Allocation

00:59:46 Understanding "Loan to Own" in Private Lending

01:08:15 Deciding When to Give Away Equity  

01:16:06 Long-term Business Planning with Equity Partnerships  

01:24:28 Common Mistakes in Property Development  

01:33:27 Evolution of Property Development Lending in Queensland

Follow our hosts on Instagram:

👉  Eric Machado: https://www.instagram.com/itsericmachado    

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉  Shannon Sharp: https://www.instagram.com/theshannonsharp    

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Originally released on Unemployable Media on 18 Nov 2025.This episode has been re-released on the Unemployable Property channel as part of our dedicated property archive - bringing our best property conversations together in one place.This episode takes you inside the creation of one of Australia’s most expensive homes as Brad Moran breaks down the design choices, the real costs, and the lessons learned along the way. It is a rare look at how a twenty million dollar build actually comes together from vision to execution, with insights every property investor and builder can use.👉 Join the free Unemployable 11-part video series:https://go.unemployableproperty.com.au/11partseries 👉 Interested in Third-party Funding? Learn more here: https://unemployable.com.au/fund 👉 Interested in the accountants we use?Learn more here: https://unemployable.com.au/structure 👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty Follow our hosts on Instagram:👉 Eric Machado: https://www.instagram.com/itsericmachado 👉 Carson Bolt: https://www.instagram.com/carsontbolt/👉 Shannon Sharp: https://www.instagram.com/theshannonsharp Connect with Us:🌐 Website: https://www.unemployableproperty.com.au📷 Instagram: https://www.instagram.com/unemployableproperty/ 🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759 🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia⚠️ Affiliate & disclaimerSome links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

A valuation can kill your development before a single slab is poured. The bank flips straight to the number, checks it against what you paid, and decides whether your deal gets funded.

Amy Bowater, Associate Director at Savills Valuations and Advisory, explains how development sites are valued from the other side of the desk. She covers how valuers find comparables when there aren't any, what margins lenders will actually accept, why your feaso never matches theirs, and the mistakes that sink first-time developers before construction funding.👉 Get the 11 part series here:https://go.unemployableproperty.com.au/11partseries

 👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Community & social links

Join our property investor community:

Facebook Group: https://www.facebook.com/groups/unemployableproperty 

Want the world to know you're Unemployable?

Get the official cap: https://unemployable.com.au/cap 

Follow our hosts on Instagram:

Carson Bolt: https://www.instagram.com/saltdevelopmentprojects 

Shannon Sharp: https://www.instagram.com/theshannonsharp 

Eric Machado: https://www.instagram.com/itsericmachado 

Channel links

Website: https://www.unemployable.com.au  

Instagram: https://www.instagram.com/unemployableproperty/ 

Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Investors are pouring life savings into NDIS disability housing, chasing headline returns, only to end up with a house that sits empty and a mortgage that doesn't stop.

Two of the sharpest minds in SDA property break down how spruikers exploit good intentions, why so many of these homes can't find a tenant, and the data-driven method serious investors use to avoid getting burned.

👉 Want to get started in property development?

Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Connect with our guests and hosts:

👉 Peter Balodis & Michael Fuller: https://sdadata.com.au/ 

👉  Eric Machado: https://www.instagram.com/itsericmachado    

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

One wrong clause can cost a developer their deposit, their contract, and months of holding costs. Property lawyer Jamie Felstead breaks down the structure the ATO flags as a red flag, the due diligence clause every new developer needs, and how experienced buyers lock up land without signing a contract at all.

Settlements are already failing across South East Queensland as buyers walk from deals they can no longer fund. Here's how to make sure it's never your deal that falls over.

👉 Got runs on the board? Let's have a chat. Apply here: https://unemployableproperty.com.au/coach

👉 Want to get started in property development? Learn more here: https://www.unemployableproperty.com.au/p-ffd

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund

👉 Interested in the accountants we use? Learn more here: https://unemployable.com.au/structure

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty

👉 Download the free Property Developer Toolkit: https://felsteadlaw.com.au

Follow our guest and hosts on Instagram and other platform:

👉 Jamie Felstead: https://felsteadlaw.com.au

Linkedin: https://www.linkedin.com/in/jamie-felstead/

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉 Shannon Sharp: https://www.instagram.com/theshannonsharp/

👉James Denham: https://www.instagram.com/itsjamesdenham/

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Property does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Australia has been writing the same housing report for twenty years. Another one just landed. Jess Caire from the Property Council on what is actually blocking supply: tax at every stage of a property's life, lots frozen in federal referrals, and approvals that took six months in 1979 now taking fifteen years.

👉 Got runs on the board? Let's have a chat.

Apply here: https://unemployableproperty.com.au/coach👉 Want to get started in property development?

Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Follow our guest and hosts on Instagram:

👉  Jess Caire - https://au.linkedin.com/in/jess-caire

👉  Kevin Doodney - https://www.instagram.com/doodneykevin/

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉  Shannon Sharp: https://www.instagram.com/theshannonsharp    

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Most developers look at three termite-eaten houses on site and see a demo bill. Carson and Shannon walk Bonogin and show how one of those houses became a payment coming the other way, why softwood is the tell for what you cannot save, and where the salvage value hides.

Then it is out into the acreage blocks. A farm dam that has to become an engineered sediment basin, sixty metres of untouchable creek vegetation, one tree that stays because black cockatoos feed off it, and a covenant that binds every future owner. The line items that never make the feasibility but decide whether the site turns dirt this year.

👉 Got runs on the board? Let's have a chat.Apply here: https://unemployableproperty.com.au/coach

👉 Want to get started in property development?Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty 

Community & social links

Join our property investor community:

Facebook Group: https://www.facebook.com/groups/unemployableproperty 

Want the world to know you're Unemployable?

Get the official cap: https://unemployable.com.au/cap 

Follow our hosts on Instagram:

Carson Bolt: https://www.instagram.com/saltdevelopmentprojects 

Shannon Sharp: https://www.instagram.com/theshannonsharp 

Eric Machado: https://www.instagram.com/itsericmachado 

Channel links

Website: https://www.unemployable.com.au  

Instagram: https://www.instagram.com/unemployableproperty/ 

Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Getting into a joint venture with the wrong person will cost you years. Getting into one with the right person can turn ten months into two completed developments and an affordable housing mission. 

Tim and Katie brought the money and the time. Assem brought the knowledge. Their first deal was a rural block with a railway on the back fence, sold off-market before a single lot hit realestate.com. Their third is Kind Homes, built on Katie's own story growing up in a domestic violence household. Inside: how to structure a JV without wrecking the relationship.

👉 Want to get started in property development?

Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Follow our hosts on Instagram:

👉  Eric Machado: https://www.instagram.com/itsericmachado    

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉  Shannon Sharp: https://www.instagram.com/theshannonsharp    

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Most developers rely on one thing to find deals: a real estate agent. Les Luxford stopped doing that 20 years ago and built a nine-pillar system that's moved over $2 billion in property.

He walks Carson and Sharpy through exactly how it works. The letters that hit a 25% response rate. The phone tactic that pulls a price out of any vendor. The referral partner making $200k part-time. And the two Queensland corridors he's quietly buying into right now.

👉 Want to get started in property development?

Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Follow our hosts on Instagram:

👉  Eric Machado: https://www.instagram.com/itsericmachado    

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉  Shannon Sharp: https://www.instagram.com/theshannonsharp    

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.

Most developers lose money before they even settle. They just don't know it yet.

Jason Webster of Legend Consultants exposes the deal killers hiding in plain sight on almost every block.

👉 Want to get started in property development?

Learn more here: https://www.unemployableproperty.com.au/p-ffd 

👉 Interested in Third-party Funding? 

Learn more here: https://unemployable.com.au/fund   

👉 Interested in the accountants we use?

Learn more here: https://unemployable.com.au/structure  

👉 Want to connect with other developers? Join our community here: https://www.facebook.com/groups/unemployableproperty  

Follow our hosts on Instagram:

👉  Eric Machado: https://www.instagram.com/itsericmachado    

👉 Carson Bolt: https://www.instagram.com/carsontbolt/

👉  Shannon Sharp: https://www.instagram.com/theshannonsharp    

Connect with Us:

🌐 Website: https://www.unemployableproperty.com.au

📷 Instagram: https://www.instagram.com/unemployableproperty/  

🔊 Spotify: https://open.spotify.com/show/2oB5pthbYhx7kJhOyM6tsP?si=mBbycvgnRymjrkt6KvLBLw 

🎧 Apple Podcasts: https://podcasts.apple.com/ph/podcast/unemployable-property/id1896808759   

🔔 Subscribe and hit the bell so you never miss an episode on property investing, entrepreneurship, and wealth creation in Australia.

#PropertyInvestmentAustralia #AustralianRealEstate #PropertyDevelopment #CashFlowInvesting #UnemployableMedia

⚠️ Affiliate & disclaimer

Some links above may be affiliate links. Unemployable may earn a small commission at no extra cost to you. We only partner with people and brands we genuinely believe in.

DISCLAIMER: Unemployable Media does not provide financial, investment, tax, or legal advice. All content is intended for educational and entertainment purposes only. Views expressed are solely those of the speakers and do not constitute financial guidance. Always conduct your own research and consult a licensed professional before making any investment decisions.