In this episode, Sam and Jaryd continue their discussion on property investment strategy. They explore what to do after purchasing a property and discuss different approaches to wealth accumulation and lifestyle choices.

They emphasize the importance of considering individual circumstances and goals when deciding on a strategy. They also highlight the benefits of leveraging debt, using inflation to your advantage, and creating options for the future.

The conversation explores the concept of using debt to grow wealth through property investment. It emphasizes the importance of leveraging time and the power of compounding growth. The speakers discuss the benefits of acquiring as much property as possible during the accumulation phase and using debt to do so.

They highlight the value of having optionality and flexibility by keeping money in offset accounts rather than paying down loans. They also touch on the idea of enjoying the passive income from a property portfolio and the importance of balancing present enjoyment with future financial security.

EPISODE HIGHLIGHTS

• Consider your individual circumstances and goals when deciding on a property investment strategy.
  
  
• Leverage debt and use inflation to your advantage for wealth accumulation.
  
  
• Create options for the future by building a property portfolio and having multiple income streams.
  
  
• Balance financial growth with personal enjoyment and experiences.
  
  
• Regularly reassess your strategy and adjust as needed to align with changing circumstances. Using debt strategically can help grow wealth through property investment.
  
  
• Acquiring as much property as possible during the accumulation phase can lead to significant growth in wealth.
  
  
• Keeping money in offset accounts provides optionality and flexibility.
  
  
• Enjoying the passive income from a property portfolio can be balanced with future financial security.
  
  
• Balancing present enjoyment with future financial goals is important.

CHAPTERS

00:00 Introduction and Setting the Theme

03:32 What's Next After Buying a Property?

08:09 Balancing Financial Growth and Personal Enjoyment

12:53 Different Approaches to Wealth Accumulation

18:13 Investing for Options and Freedom

20:05 Using Debt to Grow Wealth

23:20 Optionality and Flexibility with Offset Accounts

ABOUT THE HOSTS

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.

Jaryd Krause discusses his experience in the commercial property search phase. He shares two different deals he had in the past month and the lessons he learned from them. The first deal was a retail shop in Sunshine Coast, but due to fire attacks and other risks, he decided to pull out.

The second deal was a warehouse in North Brisbane, but he lost out to a higher offer. Jaryd emphasizes the importance of not getting emotionally attached to a property and making conservative projections. He also discusses the pros and cons of each deal and the challenges of finding positive cash flow properties.

EPISODE HIGHLIGHTS

• Don't rush into a property and make sure to conduct thorough due diligence
  
  
• Be cautious of risks and potential issues with the property, such as fire attacks
  
  
• Avoid getting emotionally attached to a property and making predictions before acquiring it
  
  
• Consider the cash flow position and the long-term potential of the property
  
  
• Take into account the current economic climate and interest rates when making investment decisions

CHAPTERS

00:00 Introduction and Overview

03:21 Lessons from the First Deal: Retail Shop in Sunshine Coast

08:21 Pros and Cons of the First Deal

11:04 Lessons from the Second Deal: Warehouse in North Brisbane

18:05 Pros and Cons of the Second Deal

25:09 Considering Cash Flow and Risk Tolerance

29:01 Using Borrowing Capacity and Making Conservative Projections

32:06 The Current Economic Climate and Interest Rates

34:12 Conclusion

ABOUT THE HOSTS

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.

This episode revolves around the importance of property strategy and the misconception of focusing on quantity over quality.

Jaryd & Sam discuss the real goal of financial freedom and stress the need to be flexible in achieving it. They compare the benefits of buying residential properties versus commercial properties and highlight the concept of opportunity costs.

They also provide a case study comparing the growth and cash flow potential of a one-bedroom apartment versus a four-bedroom house in a regional location. The conversation concludes with an invitation for listeners to reach out for personalised strategy discussions.

EPISODE HIGHLIGHTS

• Starting with a solid property strategy is crucial for long-term success in the property market.
  
  
• The real goal of property investing is financial freedom, not simply owning a large number of properties.
  
  
• Flexibility is key in achieving financial freedom, as rigid thinking can hinder progress.
  
  
• Consider the opportunity costs of investing in certain types of properties and locations.
  
  
• Personalised strategy discussions with experts can provide valuable insights and guidance.

CHAPTERS

00:00 Introduction and Setting the Theme
01:00 Quality Over Quantity: Setting Real Goals
08:21 Residential vs Commercial Properties: Evaluating the Benefits
18:31 Understanding Opportunity Costs in Property Investing
26:48 Case Study: Comparing Growth and Cash Flow Potential
35:38 Personalized Strategy Discussions: Unlocking Your Path to Financial Freedom

ABOUT THE HOSTS

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.

In this conversation, Luke and Sam discuss the importance of yield and how it varies across different markets. They explore the concept of relative growth and the factors that contribute to a suburb's performance.

They also touch on the limitations of macroeconomic forecasting and the value of taking a long-term view. Luke shares insights from his research and emphasizes the need for a scientific and data-driven approach to investing.

Sam highlights the key metrics he uses in his investment strategy, including smart median house prices, annualized growth forecasts, inventory levels, vacancy rates, and gentrification scores.

EPISODE HIGHLIGHTS:

• Relative growth is a key factor in suburb selection, and it's important to consider the relative merits of one suburb compared to another.
  
  
• Taking a long-term view and learning from historical patterns is more reliable than trying to predict specific events or market timing.
• A scientific and data-driven approach is essential in investing, focusing on universal patterns rather than short-term trends.
  
  
• Key metrics to consider include smart median house prices, annualized growth forecasts, inventory levels, vacancy rates, and gentrification scores.

ABOUT THE HOSTS:

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


ABOUT THE GUEST:

Luke Metcalf is the founder of Microburbs.com.au and is at the top of Australia's Property Data world With over 3 decades of experience as a data scientist.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.

In this conversation, Jaryd Krause and Luke discuss the topic of gentrification and how it relates to property investment. They explore the value of data in identifying areas for capital growth and the importance of considering various factors such as socioeconomic trends, location, and property types.

They also touch on the concept of the HIP score, which quantifies the trendiness and coolness of a suburb.

The conversation delves into the challenges of calculating median house prices and the significance of affordability and yield in investment decisions.

EPISODE HIGHLIGHTS:

• Gentrification is a slower-moving process than market timing, and it is important to consider the long-term capital growth consequences of choosing a particular socioeconomic end of the market.
  
  
• The middle range of the market tends to perform well in terms of capital growth, but it is important to consider other factors such as the natural setting and the diversity of buyers in a suburb.
  
  
• The HIP score, which quantifies the trendiness and coolness of a suburb, can be a valuable tool in identifying areas for potential capital growth.
  
  
• When analyzing median house prices, it is important to consider factors such as changes in the housing stock and the diversity of prices within a suburb.
  
  
• Affordability and yield are key drivers in property investment, and there is generally a correlation between yield and subsequent capital growth, particularly in the low to middle range of the market. Yield tends to be better up until the top fifth percentile, but it varies across different markets.

ABOUT THE HOSTS:

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


ABOUT THE GUEST:

Luke Metcalf is the founder of Microburbs.com.au and is at the top of Australia's Property Data world With over 3 decades of experience as a data scientist.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.

In this conversation, Jaryd Krause and Sam Powell discuss the importance of strategy when it comes to buying investment properties.

They emphasize the need to start with the end goal in mind and consider factors such as desired lifestyle, financial freedom, and passive income. They also highlight the difference between a true strategy session and a sales call, emphasizing the importance of working with a trusted advisor who understands your goals. They recommend reassessing your strategy every year and considering factors such as cash flow, equity, and market conditions.

Overall, they stress the importance of having a clear strategy and regularly reviewing and adjusting it as needed.

EPISODE HIGHLIGHTS:

• Start with the end goal in mind and consider factors such as desired lifestyle, financial freedom, and passive income.
  
  
• Work with a trusted advisor who understands your goals and can help you develop a personalised strategy.
  
  
• Regularly reassess your strategy and make adjustments as needed based on factors such as cash flow, equity, and market conditions.
  
  
• Consider different investment options and asset types to diversify your portfolio and achieve your goals.
  
  
• Invest in your financial education and surround yourself with a team of professionals who can help you navigate the property market.

ABOUT THE HOSTS:

Sam Powell is a certified property investment advisor and registered property valuer with an illustrious career helping people save and make millions of dollars through property investing.

Jaryd Krause considers himself a student of property, owning his own portfolio of property and online businesses he shares his failures and successes through his property journey.

The Property Pals is strictly just a podcast on how to help you earn passive income through property investing to live a better lifestyle. We have no products or services to sell you, if you ever want help we can refer you to the different people we use for our own personal property portfolios.


RESOURCE LINKS:
➥ Property Pals Website - https://www.propertypals.au/
➥ Property Pals Website - https://www.propertypals.au/coaching
➥ How To Maximise Your Borrowing Capacity Mini Course - https://www.propertypals.au/resources


Disclaimer:
Any information shared by Sam, Jaryd & The Property Pals team is strictly general and should not be taken as constituting professional advice. You should consider seeking independent legal, financial and taxation advice from a qualified professional.

See omnystudio.com/listener for privacy information.