The Investor Lab

Right now, the property market is living in a paradox. Prices are going up, and rents are going up, while yields are going down, and it definitely has had effects on cashflow.  There’s less market stock, vacancy rates are going down, and people are moving to different places in the country. With all these happening, how can you as an investor navigate such a low-yield environment? Learn how to adjust your mindset to adapt to a lower-yield environment, still come out on top to make sure you’re still investing for success, find your way around the difficulty of getting positive cashflow in the current market, and more by tuning in to the podcast! If you love this episode, let us know by emailing us at hello@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!   In this episode, we cover: The paradox of rising rents & decreasing yields [04:32] Yields vs. rents within cities [07:54] The belief that rents will rise faster per year in the future [10:45] Sacrifice short-term yields for longer-term yield opportunities [13:16] How do you know if a property’s rent will increase in the future? [16:11] What’s causing the influx of migrants to regional centers? [19:32] “Less available stock” than the same period a year before [20:46] An overview of what the “regional migration” looks like [23:55] Stock availability & the struggle to buy property in current times [26:13] Investors can claim these as tax deductions [28:19] How to tackle & approach low-yield environments [30:07] Reframing your mindset to succeed in life & real estate [34:12] The property problem we face as a nation [36:18] What navigating the market in low-yield environments looks like [38:42]   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

With the crazy price growth happening in Australia’s property market at the moment, investors, and others affected have become a bit… uneasy.  In fact, so uneasy that the government is looking to bring in tighter regulations. So what happens now? Let’s dig into what’s happening with the debt to income ratio, proposed policy changes, what that means for investors, who will be most affected and why, how investors can continue to succeed and successfully navigate these changes and more! If you love this episode, let us know by emailing us at hello@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!   In this episode, we cover: A high-level view of what is happening with AFR [03:58] Clamping down on higher-leveraged people to prevent future problems [06:35]  Affordability & Australia’s debt to income ratio [09:58] RBA’s Philip Lowe on changing the taxation system as a long-term strategy [12:58]  How does a high-yielding portfolio impact your income level? [17:30] “The Holy Trinity” approach works in any market [24:15] It’s easier to excel in a stable market [28:38] Leverage is great, but don’t get overleveraged [29:27] The disparity between credit, property prices & wages [33:02]   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

We’re well aware that if you’re a property investor, there’s one burning question on your mind right now: Are we truly in a housing bubble? Join us as we tackle this question and discuss what it means, digging into 10 key points that will provide answers and insights to help you understand everything you need to know about it. We also cover what population growth has to do with it, sifting the noise and making objective decisions, the “loner effect”, and so much more! If you love this episode, let us know by emailing us at hello@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!   In this episode, we cover: Our need to address the “real estate bubble” [04:29] A look at past statistics & progression to ‘now’ [08:24] Sifting the truth from the noise & making objective decisions [13:39] Today’s residential real estate ‘picture’ [15:44] Factoring in population growth [16:57] Land to population to food ratio [18:26] The “Loner Effect” [21:01] - 23:20 Inflation hasn’t really started! [23:28] What’s going to happen when the borders reopen? [23:45] The national rental crisis [52:05] Will buying a house & land package now help the economy? [25:53] - 28:36 Australian household savings rates [28:41] Institutional investors are expanding towards residential assets [30:50] A look at large private equity groups allow insight into global market trends [35:01] Are we really in a real estate bubble? [36:42] Every investors should start thinking like institutional investors [37:51] Factors that will shift the growth rate [41:37]   Links from the Show: Episode 113 - Should You Be Worried About Inflation?   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

For most (or all) property investors, being able to buy properties faster is key to achieving their financial goals sooner. So how can this be achieved?  Well, the answer may just depend on your borrowing capacity. Join our chat with Chris Raymond from Unconditional Finance where we tackle capital growth vs. cash flow, yield impact on loan capacity, what hinders people from getting access to credit, how your daily spend can affect your borrowing capacity and heaps more!  If you loved this episode, let us know by emailing us at hello@dashdot.com.au, and don’t forget to subscribe, rate, and share this podcast!  See you on the inside!   In this episode, we cover: All about Chris and his work [03:17] What are mortgage brokers and what do they do? [06:34] Why Chris decided to jump the fence to the other side [08:18] Chris’ reasons for starting his own business [10:06] Capital growth vs. cash flow [14:31]  This is why 90% of investors never get past two properties [16:52] Finding the right broker to match you with the right lender is key [23:47] Something a lot of investors forget about tax-deductible expenses [27:03] Property portfolios and trusts [29:19] What impact do yields have on your loan capacity? [31:33] What hinders people from getting access to credit? [36:49] A discussion on principal & interest loans versus interest-only loans [39:52] Comparing rentvesting vs. an owner-occupier strategy [44:21] Does your day-to-day spending affect your borrowing capacity? [47:32]   About our Guest: Chris Raymond is the Founder of Unconditional Finance, an award-winning mortgage broker company specialising in residential, commercial, investment lending and development finance. Chris works with clients to determine which loan from their extensive network of lenders will help people meet their financial goals to get them the best possible loan available that is in line with what they are trying to achieve.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

If you had a way to turn your passion into something that fulfils you every day, wouldn’t you want to do just that? Meet Lana Grayson, one of our Property Acquisition Managers at Dashdot. We chat about how she started her property journey, when she realized she wanted a career in property, and how she turned her passion into a fulfilling career. Check out the first episode of our ‘Humans of Dashdot’ series here and stay tuned for more inspirational, encouraging stories from our side of the pond. We hope you find today’s show valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Getting started with property and Lana’s work at Dashdot [02:18] When did she figure out she wanted a career in property? [07:28] Learnings from working at a property development & project marketing group [09:41] How different is Lana’s current role to what she used to do? [11:08] What moments have most shaped who Lana is today? [13:39] A Property Acquisition Manager’s advice to her younger self [14:34] The value of starting your day how you want the day to go [17:00] A book Lana recommends for property first-timers [18:58] What success is for Lana [21:10] Lana’s secret tips for future Dashdot clients [22:09] Lana’s three truths [25:18]   Link from the Show: Smashed Avocado by Nicole Haddow   About our Guest: Lana Grayson is a passionate property professional who thrives on helping others to achieve their life goals through property. She got the property bug early by helping her mum flip houses, and has been pursuing her passion ever since. She is also a a massive foodie, and whenever she is not either eating delicious food, or hanging out with her awesome dog and wonderful partner, she spends her spare time trawling the market for more amazing real estate deals.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

In case you haven’t heard, Australia’s property market is growing - fast. So what prompted the boom and what’s keeping the momentum going? Terry Ryder, director and founder of Hotspotting.com.au, joins us for a valuable discussion on the 16 reasons he believes to be major factors that are driving Australia’s national property boom. We talk about why we need to cover the 16 drivers…The pent-up demand causing the rising sales activity…What the government is contributing to the property boom…And so much more! We hope you find today’s show valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Why we need to talk about these drivers [02:48] The misconception that property prices keep on rising [03:24] Is the current market sustainable? [05:45] Would the property market be better or worse without the pandemic? [07:44] The idea that iron ore prices affected the way Australia coped with wave one [09:50] The build-up of savings during the pandemic [13:36] Will this period result in a higher or lower birth rate?[15:55] People in lockdown are reviewing their life choices [18:26] Did the temporary pressure in property partially affect the national boom? [23:05] There’s pent-up demand that causes rising sales activity [30:32]  Buying during the ‘mythical spring season’ of property [32:52] What’s causing the ‘exodus’ & demand for property? [36:43] Broome is the perfect example [43:22] Projects rolled out by the government impact the property market [44:59] Revival (and drop) of Australia’s resources sector [49:51]  The mass return of Aussie expats [51:40] Foreign investors are starting to return [57:00] It’s a fantastic time to be a landlord in Australia right now [58:47] Perceptions about safety & solidity of ‘bricks and mortar’ in tough times [01:00:30] Access to low-cost finance [01:02:38]   About our Guest: Terry Ryder is the director and founder of Hotspotting.com.au, helping Aussies achieve the “Great Australian Dream” by providing quality research on real estate properties. Previously the editor at The Courier-Mail and currently a regular real estate columnist for The Australian, he has extensive knowledge on the real estate market and its behaviour over the past few years. He has authored four real estate books and has ultimately become a household name for property investors.    Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

How do you know if you’ve lived - or are living - a life of purpose? In today’s episode, we chat with Nic Denshire, one of Dashdot’s Property Acquisition Managers, on his property journey and the lessons he’s learned along the way. We talk about how we got started, how he found Dashdot as a client and eventually worked with the team to help others, and the beliefs that have shaped who he is today. We also touch on how most people don’t see being a buyers agent as a profession…If having some form of inheritance would change Nic’s journey…The three truths Nic wants to leave as a legacy…And heaps more. This is just the first of many episodes from the ‘Humans of Dashdot’ series, so stay tuned for more inspirational, encouraging stories from our side of the pond. We hope you find today’s show valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Nic’s background and current role at Dashdot [03:30] The story about their first property [10:37] Working with Dashdot & investing in granny flats in the future [16:54] Lessons learned as an acquisitions manager also buying property [22:12]  Most people don’t recognize being a Buyers Agent as a profession [27:07] Beliefs that have shaped Nic’s character & property journey [29:31] Would having an inheritance change everything? [34:35] Pre-investment versus post-investment Nic [37:32] What three truths would Nic want to leave on his last day on earth [39:01]   About our Guest: Nic Denshire is a passionate property investor, father of two, and Property Acquisitions team leader at Dashdot. His background is in engineering, but after he worked with Dashdot as a client, he was so enraptured by the experience that he left his former career to join the Dashdot team full time, helping others to achieve their property dreams.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

The property investing journey will always vary for each person.  Some know what they want, when they want, right from the get-go, while others stay behind the fence, waiting for… something. What makes people so hesitant to get into the market? Is it the timing? The location? The pandemic? Today’s episode is a webinar with Bushy Martin, founder of leading property finance and advisory firm KnowHow Property. We discuss the different problems people are facing that prevent them from getting into the market. From affordability, finding value in a property, getting out of your comfort zone, to the D.I.Y. dilemma, we cover a lot. We present a lot of visuals and illustrations on our video podcast, but if you’re just listening to the audio version, you’re sure to get value out of this episode too. We still highly recommend going to Youtube to watch the full episode for the best experience though! We hope you find today’s show valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Establishing the background for today’s topic [02:36] A runthrough of all 7 reasons [06:24] “The market’s overheated… i’ll wait it out” [09:08] What an overheated market looks like [17:38] The secret to understanding when & where to enter the market [20:22] Not all locations are sustainable [25:33] Putting colour on the old “demand and supply” equation [28:52] “I can’t find a good property I can afford” [30:23] What’s actually happening on the ground? [33:28] What we mean when we talk about ‘regional centers’ [39:18] “I might pay more than what the property’s really worth” [41:12] The ‘Value Investing’ methodology [42:33] Look at the intrinsic value line [45:57] Ways to assess the value of a property [47:15] “I have to buy in a capital city to get growth” [52:39] All markets move asynchronously [53:27] How regional markets perform versus capital cities [54:36] Regional versus capital yields [58:56] “I’m uncomfortable buying something I haven’t physically seen” [01:02:21] Don’t buy just because it’s something you “know” [01:05:46] Don’t let your past knowledge stand in the way of your future [01:09:42] The ‘magic’ happens outside your comfort zone [01:10:56] “I’d rather do it myself than pay Buyers Agents $15k+ [01:12:40] Can you really D.I.Y. it? [01:13:19] D.I.Y. Investors tend to get stuck [01:20:30] “Covid will trigger a recession… I’ll just wait until after it’s over” [01:22:39] The asymmetrical impact of the ‘90/’91 recession [01:24:34] Access to credit is the single biggest potential throttle [01:27:34] RBA on government spending & property downturn [01:29:10] The 18-year Economic Cycle Theory [01:30:29] Base your decision on facts, not fear [01:34:57]   Link from the show: Great by Choice by Jim Collins   About our Guest: Bushy Martin is an investor, founder, author and media commentator, recognised as one of Australia’s most trusted experts in property, investment and lifestyle. As the founder of leading property finance and advisory firm KnowHow Property, Bushy has helped over 1,700 time-poor professionals secure more than $550 million in property to improve their lifestyle and replace their income safely, easily and affordably. He is the author of two award-winning books, including the acclaimed “The Freedom Formula: Live More, Work Less And Leave A Legacy” and “Get Invested: Do You Want To Live More Or Less?” Bushy also interviews some of the world’s leading investors and high performers each week on his podcast, Get Invested.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com.au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.com.au/discovery)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!See omnystudio.com/listener for privacy information.

Diving into the unknown is frightening, or at the very least, stressful. It’s during times like these that we all wish we had some sort of guide or guru to help us grasp what we’re getting into… And when it comes to property investors venturing into property development, the need for some prior knowledge, whether in the form of books, podcasts, or trainings, is especially important. Today, we chat with Justin Gehde, host of the Property Developer Podcast. We cover not just the mechanical side of property development, but also the practicalities and the spiritual, personal development aspects of it all. We share the 5 important ingredients you’ll need to get started as well! We also dig into Justin’s property development evolution…Helpful tactics you can use to live the life you want…The risks in property development and how to handle them…And so much more! We hope you find this episode valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Justin’s property development evolution, before and after [03:16] What drove him to shift to property development? [06:50] Make a decision, follow-through, and change your life [09:50] Handling the risks in property development [13:44] How did Justin start with 20 townhouses right off the bat? [16:43] His second project was a completely different experience [23:10] Understand the process & life cycle of a development project [26:49] Produce a good feasibility that captures all the costs [31:15] Buy well so you can have a margin for error [36:35] Have enough cash to see a project through to the end [37:47]  Have a strategic purpose to why you’re doing a project [41:17] Justin’s version of success [42:09] New beliefs, behaviours, and habits that improved Justin’s life [43:15] Helpful tactics to live the life you want [44:20] Fear-setting: Identify & articulate your fears [47:58] For people who are interested in property development... [49:55]   Link/s from the show: Great by Choice, a book by Jim Collins Listen to the Property Developer Podcast Take the Property Developer Training (Use code GOOSE for a special discount!)   About our Guest: Justin Gehde is the host of the Property Developer Podcast. He loves property development and speaking with people about it, but best of all, Justin loves speaking with property developers about the projects they are doing, what works well for them and what they have learnt along the way. Since starting with 20 townhouses, Justin is now continuously developing properties and helping others learn about property development along the way.   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!  See omnystudio.com/listener for privacy information.

Have you ever heard the story of the tortoise and the hare?  If not, it’s a story about how a tortoise, slow as it is, still won a race against a hare who, being overconfident, lost a seemingly easy victory. The moral of the tale is that knowing where you stand and planning accordingly is just as - if not more - important as speed. Similarly in property, a lot of investors struggle with cadence and finding the right strategy to maximise their portfolio performance and growth. Most merely have short-term solutions, leaving sustainability out of the picture. Today, we tackle how to know when to go again, which is more important between cadence and speed of acquisition, how to build the right habits and implement the right tools, tricks, and tips, to make sure you stay on track to maximise your portfolio performance, and how to get to your destination as fast as possible, as happy as possible, in the best possible way. We also explain why emotional fortitude & resilience matter when buying property…How to have a more efficient distribution of capital…How much cash you should start with sans equity from other properties…And so much more! We hope you find this episode valuable, and if you do, please let us know by sending us an e-mail at hello@dashdot.com.au! We’d love to know your thoughts! Also, please don’t forget to subscribe, tune in, and share this podcast.  See you on the inside!   In this episode, we cover: Why this is an important discussion and who it’s for [06:31] Speed versus consistency [09:26] Digging into the pros and cons [11:53] Speed depends on your circumstances [19:27] Emotional fortitude & resilience are important when buying property [20:43] Know where you stand for a more efficient distribution of capital [23:43] What should your property purchase cadence be like? [26:48] The distribution of assets by type [34:16] How much cash should you start with, without equity from other properties? [39:07] What can you do to organise your property portfolio better? [40:27]   Link/s from the show: Xero Pocketsmith Download our Apex Report!   Connect With Us: The Investor Lab Membership (https://theinvestorlab.com.au/jointhecommunity) Dashdot Buyers Agents Website (https://www.dashdot.com/au/) Limitless: The Renegade’s Guide to Building Wealth Through Property - Goose McGrath (https://www.renegadespropertybook.com) Ready to work with us directly? (https://dashdot.as.me/discoverycall)   If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Thanks for tuning in!  See omnystudio.com/listener for privacy information.