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Hey mate, commercial lending is a different kettle of fish & offers more flexibility and lending sophistication. The tiers we spoke about was strictly for residential lending. Like if there was a 4th level I suppose it would be private lender. Generally better borrowing capacity there...but rates/terms of lending are more expensive.

@@FullCircleFinance I think this is my point, if you've structured the entity properly why would you ever need to go into a level 3 or 4? If you just buying residential? Both me and wife are fully PAYG and the more property I bought, the more servicing I have, simply by clearing the debt (by selling) under personal name and put new purchases into different SPVs. Or is there any limit on SPVs due to limited lender in the market? I currently have 4 and just need to create a new one if I run out of servicing.

@@Sarmuu Generally speaking (because im not fully across your situation), the trusts have to be profitable (to get accountant letter) & trust properties have to have equity in them for people to access it, to then fund next IP in different trust...and repeat until you run out of banks to do this with.

@@FullCircleFinance Ah yes, one of the key to this is strategy is asset selection and how to get trust to run positive, obviouslly I keep very close tabs on my cashflow for every trust to make sure it's profitable. I guess what's obvious to me isn't necessary for everyone else out there, so in those situations you do need a level 3/4 broker. And potentially someone will need to go from level 1 directly to 3 or 4.

Great Question Sarmuu! Sounds like you’re killing it all ready mate! Amazing job building to 15 rentals 🙌🏼 Thanks Morgan for jumping in the answer in more detail!

There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.

While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.

I'm currently looking for guidance on portfolio management. Could you refer me to your advisor?

Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.

Thank you for sharing your thoughts. I’m glad to have been of help, and I hope you find Rebecca Lynne Buie’s expertise valuable. Investing is a passion of mine as well, and I wish you success in safeguarding and growing your portfolio. God's blessings to you!

100%

You’re about to get finance sorted?

@@pizzaandproperty1246 now need level 3 and up 😊

Sounds like this was a well timed episode, happy investing Ankita 😊

Haha not sure if we can make it daily but might have something extra cooking each week in the new year 😊

@pizzaandproperty1246 Cook faster. This big boy is HUNGRY 😄

😂

Congrats mate 🙌🏼

Glad you enjoyed it Ankita 😊

There’s a few different places now, are you asking about the fold out ones?

Yes the fold out ones

Thanks mate 😊

lol when you buy as manny as he has you come to know a thing or two

haha yeah it happens to fast... back at the gym now 🙂

Congrats mate 🙌🏼

Haha yeah it just shut like 2 weeks ago I was devo when I went to order my Choo chee the other week… 😔 Closest good Choo chee is 3 monkeys in North Adelaide now

Sounds like Big Bad Birchy

Hope you enjoy it mate!

Hope you enjoy the chat mate 😊

​@@pizzaandproperty1246 Where do you get the analogies? Kick in the nuts, that lead you to get a scan, that discovered cancer....its a good one. Thus, the kick in the nuts did more good than harm. Do you have a book of analogies? 😂😂

Haha I can’t explain how my mind works 😂

Could be a good chat

Could be a good convo!

Sounds about right

Thanks Ellie glad you enjoyed this one mate 👍🏼

Then it’s not a fit for you, Rentvesting isn’t a panacea, but it does work really well for a lot of people

Yeah it’s not changing anytime soon

Thanks mate

That’s sorta right, your thinking about yield at purchase, building a larger portfolio takes into account more future planning and looking into future cashflow.

Sometimes waiting is 100% the right thing to do, but in this case waiting could be attached to a much larger opportunity cost far exceeding any selling fees.

Fair point mate, the episode was already almost 2 hours if every single detail was outlined we’d still be watching it haha But if you’re wanting a better outline of CGT check out this ep should help a lot bro 😊 ruclips.net/video/byIEcQtwyIw/видео.htmlsi=tXm4XZS_Y7ZP6-Xg

Amazing! Looking forward to checking out your situation 😊 hopefully we’re grabbing a pizza in Adelaide soon

You invest in property?

@pizzaandproperty1246 I have yea

Old mate owns none but would have no issues buying them in boutique blocks close to major CBD in areas not zoned for high rises.

@jonv570 awesome! What strategy’s worked best for you so far?

If you want learn about building a better future for yourself and your family through property investing you're in the right place. Pushing the age old crash / bubble narrative gets way more clicks but will hold you back from what you're actually capable of bro. Happy investing 🙂

Lots, but tons of equity too

yeah not quite bro

@ how much is owned buy the bank ?

Micheal doesn’t talk publicly about his LVR, I respect him even sharing his story at all. While there’s obviously a lot of debt it’s not as much as you’d think. Instead of making assumptions on parts of this episode that don’t help you, take time to learn how his failures and his wins can be learnt from to help you on your own investing path 😊 Happy investing mate 🙌🏼

@@pizzaandproperty1246 🤣🤣🤣🤣

@@pizzaandproperty1246 bs it’s all debt if he has nothing to hide why not be transparent. Because he is all owned buy the bank .maybe he owns 60 to70 percent the rest owns buy the bank 🤭

I hear what you're saying but pretty isn't profit bro, I've made millions investing below the blue collar, anyone that say's you can't isn't looking at the full picture.

Are you sure it’s 100%?

Think you missed the point of the episode bro