Q&A #20: Strategic Finance Plays, Low Income Investing, SMSF & Sammy’s New Purchase

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In this month’s Q&A episode, Sammy Gordon and Jimmy Ibrahim tackle a fresh batch of unfiltered listener questions, covering everything from investing strategies for low income earners with large cash buffers, to the pros and cons of interest-only loans, and navigating tricky cash flow scenarios. The duo brings their signature banter and expertise, offering practical, no-nonsense advice on building property portfolios, utilising commercial property plays, and knowing when to consolidate or take on more risk. Packed with real-world examples and a candid look behind Sammy’s own recent decisions (including buying his own home) this episode is a goldmine for property investors looking for actionable insights.

School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you’re ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to www.schoolofproperty.com.au.

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Chapters:

(00:01:45) Welcome

(00:03:53) Kelly’s question: buying a second property & strategy with $450k cash

(00:08:03) Lachie’s question: using a loan for deposit

(00:12:05) Jasmine’s question: negative cash flow, commercial deals under $500k, and resi cash flow

(00:16:08) Marky’s question: SMSF vs. personal purchases and market timing

(00:18:57) Daniel’s question: buying B&B deals in cash vs. getting multiple pre-approvals

(00:21:21) Simon’s question: interest only vs. principal & interest loans

(00:26:31) Anon Don’s question: Sammy buying a home, market exits and portfolio consolidation