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"
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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:
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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.
