The Investor Lab

“What got you out of Egypt may not get you to the promised land.”  Once you’ve gone past three or four properties, tailoring the way you play your real estate journey becomes more important. So how do you get from here to there? How can you make your portfolio better?  Think of your investment as a business. In this episode, we explore how to think about the next big step in your investment journey. We talk about portfolio structuring…Why the real estate industry is obsessed with keeping costs low…How to approach land tax…And heaps more! We’ll see you on the inside!   In this episode, we cover: An introduction to portfolio structuring [03:43] Trusts and asset protection in portfolio structuring [05:19] A simple way to think about real estate investment [08:22] Why it’s good to isolate your assets from one another’s risks [11:13] Profit distribution from one business to another [15:43] The real estate industry’s obsession with keeping costs low [20:15] Trust structures and asset mixing [24:43] How to think about portfolio mix in terms of types of assets [28:57] Costs no longer matter if you see your investment as a business [35:49]  Is it worth considering the costs that will be triggered? [41:09] How to approach or think about land tax [45:00]   Link/s from the show: Advanced Property Finance Strategies with Stephen McClatchie    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.

You’ve probably heard the story of Goldilocks a thousand times or more by now, and her finding the porridge that was ‘just right’. In terms of property investing, finding the right time to invest holds a similar concept. You need to get into the market at a time when it’s ‘just right’ to get maximum profit from market cycles... And by understanding market cycles, you’ll be able to optimise your investments when the market is at its peak - and even when it isn’t.  In this episode, we tackle the Goldilocks Zone and why it is the ideal time to get into the market.     We talk about market cycle fundamentals…Why rents rise first and prices follow…How the cycle works with the APEX progression…And much, much more. See you on the inside!   In this episode, we cover: A walk-through of market cycle fundamentals [06:13] How do we identify where we’re currently at in the cycle? [12:25] Timing is everything [15:59] Understanding growth cycles [18:30] How does the growth cycle relate to the rental cycle? [21:12] Where in the cycle is the Goldilocks Zone? [23:31] Why do rents rise first, and prices follow? [25:00] Signs that you’re already too late in the cycle [29:44]  What should we do if we already missed the Goldilocks Zone? [30:58] How the cycle works with the APEX progression [34:00] Timing the market vs. relying on value-adding strategies [39:18] What to do when the “boom’ is over and holding a property doesn’t do that much [45:54] The Holy Trinity as a risk mitigation strategy [50:00]   Link/s from the show: Check out our Hunting Hotspots Series (https://www.youtube.com/watch?v=Qc2YvjzmXT8&list=PL8JUAH5YoY90PhmHZ4bIrxcZOFSACQVfG)   The Biggest Boom in History? Understanding the 18.6 Year Cycle with Akhil Patel (https://theinvestorlab.com.au/podcast-ep72-the-biggest-boom-in-history-understanding-the-18-6-year-cycle-with-akhil-patel/)   Psychographics Vs. Demographics: An Investor’s Hidden Edge (https://theinvestorlab.com.au/podcast-ep31-psychographics-vs-demographics-an-investors-hidden-edge/)   Vacancy Rates: The Misunderstood Metric (https://theinvestorlab.com.au/podcast-ep29-vacancy-rates-the-misunderstood-metric/)   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, and we hope you enjoyed today’s episode!See omnystudio.com/listener for privacy information.

We usually talk about investing in cash flow positive properties in high growth areas, but how about using a totally different strategy in building your property portfolio? The reality is, there’s no one-size-fits-all strategy, and each one works for different people at different points of their life, for a variety of reasons...  And if you’ve never heard of blue chip property investing, this is the perfect time to get acquainted. Joining us in this episode is Jack Henderson of Henderson Advocacy. With his expertise and experience, we’ll go deep into the world of blue chip property investing. We also cover the strategy behind this type of investment…The financial mechanics of how it all works…The debate between getting houses versus apartments using this strategy…And heaps more! See you on the inside!   In this episode, we cover: An overview of Jack’s background [03:31] The strategy behind blue chip property investment [04:59] The blue chip strategy is for people with no limitations on borrowing capacity [09:04] Is it purely about location? [10:30] What’s the exit strategy for this type of investment? [12:34] Refinancing and using offsets as an income [18:22] Would this strategy change if interest rates go back like they were in the 90s? [20:05] Houses vs Apartments [22:36] What most people get wrong about investing [30:44] Jack’s definition of success [35:30] The beliefs, behaviours, and habits that changed Jack’s life [41:30]   Link/s from the show: Henderson Advocacy Website (http://www.henderson.com.au/)    About Jack: Jack Henderson is the Founder and Managing Director of Henderson Advocacy, a company that offers an opportunity to save time, money, and emotional stress in getting the right property. He started his investment journey at a very young age, purchased his first property at 18 years old, and managed to build a multimillion-dollar property portfolio in just a few years.   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.

Do you want to buy more properties and build an exponential property portfolio, but you just can’t figure out how to make it happen? 94% of investors are stuck on their second property, and often never get past it… But what if there was a strategy that not only gets you unstuck but also helps you grow your portfolio faster, and steer your investment as far as you want, where you want?     Joining us in this episode is portfolio finance strategist, Stephen McClatchie.  We talk about how to think about your finances…The different ways to accelerate your wealth…How to make sure that you don’t get stuck…And heaps more! See you on the inside!   In this episode, we cover: Stephen’s Background and Loans Australia [03:56] Why do most investors never get past their second property? [06:59] The best financial strategy to achieve maximum growth [10:59]  How does being cash flow positive affect borrowing capacity? [16:42] Paying-off loans by putting interest in investment property offsets [21:29] How Trusts help (or hinder) people’s investment strategy [29:33] Grouping properties and how it impacts borrowing capacity [36:58] A common mistake when getting financing and how to avoid making it [41:29] Stephen’s drive to educate & help people improve their position [44:40] The legacy that Stephen wants to leave behind [47:34] Is cash flow more important than growth? [50:04] Stephen’s courses and website [53:05] The benefits of getting a buyer’s advocate [56:43]   Link/s from the show: Loans Australia Website (https://loansaustralia.com.au/)    About Steven: Stephen McClatchie is the Founder and Managing Director of Loans Australia, a company that offers complete solutions to clients in meeting all their financial and investing needs. He is also a portfolio finance strategist of choice for multiple property investors, property developers, business owners, and high-income earners.    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.

Property investment isn’t a walk in the park. You’ll encounter pitfalls and successes, and even get some surprises (good or bad) along the way.  What matters, then, is making sure you’re capable of going through the highs and lows, be focused on your goals, and have a good relationship with yourself. In other words, you need to be an empowered investor, in more ways than one. Joining us today is High Performance Coach Toni Versic, as we talk about how to become an empowered investor, how to define and redefine success, and what the best investment you can make for yourself is. We also cover communication in relationships between high-performance individuals and their partners…How to reignite a better relationship with yourself…How to identify and get rid of things that are holding you back…And much, much more!See you on the inside!   In this episode, we cover: Getting to know Toni Versic [03:11] Quantifying “four years’ worth of growth” [05:02] The common denominator of fear and reigniting relationships with ourselves [07:12] Toni’s method of helping people help themselves [10:17] Relationships between high-performance individuals and their partners [15:10] What is the best investment you can make? [21:40] Pain vs pleasure: which one is the more powerful trigger? [23:36] A conversation on redefining success & framing freedom [29:37]  Who do we need to become, and who do we want to be? [38:37] Mortality is a good reminder for us to take action [44:08]   Link/s from the show: Visit Toni’s Facebook   About Toni: Toni Versic is a peak performance coach for business owners and entrepreneurs. He helps them grow their business without sacrificing the connection with their families and themselves. His Key Three method supports them in finding balance between Health, Wealth & Relationships.    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 wondered how things would turn out if you knew what you know now, but 10 years ago?  Throughout our journey in business or in real estate, there are certainly a couple of speed bumps that have served as real eye-openers for us... And now that we understand the industry better and how things work, we find ourselves thinking about the “could’ve beens” and how we’d do things differently.  In today’s episode, we recall the past, share our learnings, and discuss fear and failure.  We talk about our individual realizations & insights…Why playing the short game is a problem for most people...What we would’ve done differently in our 20s…And so much more! See you on the inside!   In this episode we cover: Has the approach on podcast strategy changed for 2021? [02:55] What would have Charley done differently if he has the wisdom he has now 10 years ago [08:57] Having a good mentor would have been a game-changer at 22 [13:00] Playing a very, very short game is a problem among most people [15:34] Distinct moments often serve as turning points [18:17] What would Goose have done differently 10 years ago with knowledge he has now? [19:24] Life was meant to be easy and business was made to be fun [26:04]  What would be Charley today if he had the wisdom he has now 10 years ago? [27:04] How to tell whether an opportunity is a dead end or the future [29:09] Addressing fear and failure [34:40] The different factors involved in how we approach failure [38:34] Things we would’ve adjusted or focused on when we were 20 [42:46]    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.

How important is it to have a positively geared portfolio?  Building a large portfolio is very doable, but often people get lost along the way… So how do we steer our investments in the right direction so we can build that portfolio and achieve the freedom, abundance, and growth that we’ve always wanted?  Joining us in this episode is Lloyd Edge, author of Positively Geared, and we dig deep into the importance of having a positively geared portfolio. We talk about Lloyd’s investment journey to success…The important things that starting investors must focus on…Why it’s crucial to have a robust investment strategy…And heaps more! See you on the inside!   In this episode, we cover: A bit about Lloyd’s Background [03:55] Lloyd’s investment journey [05:34] The story on how he acquired his duplex [09:20] Important things to think about when starting your investment journey [12:32] How rental yield contributes to keeping you moving forward [15:55] The importance of having a robust financial strategy [19:56] Lloyd’s roadmap to manufacturing equity and leverage [23:55] Why it’s important to think from a place of principles & strategy [26:18] Why Lloyd thinks having properties in capital cities provides more growth [28:38] Growth and yield should be kept in balance [31:24] His view on the property market’s direction 3-5 years from now [33:45] The “Positively Geared” book and courses Lloyd offers [37:09]   Link/s from the show: Positively Geared by Lloyd Edge (https://amzn.to/2YW0pZ5)    About Lloyd: Lloyd Edge went from a heavily-mortgaged one-bedroom apartment to a multi-million dollar property portfolio in just 10 years; all on a teacher's wage. Today, he is the Managing Director and founder of Sydney-based buyer's agency, Aus Property Professionals. In 2018, he received the 'Your Investment Property' Top Buyers' Agent award and in 2019 he was a finalist in the Real Estate Business Awards.   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 thought about what you’ll do next if your strategy fails and things don’t go as planned? Most of the time, we tend to invest in Plan A, hoping that everything will work out eventually. But when it’s already too late, and we’ve gone too deep into the rabbit hole, we realise that we never had a Plan B or Plan C to remedy the situation at all! In the newest episode of the ‘Property and Business’ series, we dive deep into why preparedness can ultimately make or break your business or property investment. We talk about the time it takes for your business to be stable…The challenges business owners face in getting financing…What makes the first two years the most demanding phase in business…And heaps more! See you on the inside!   In this episode, we cover: How the world is slowly recovering from the pandemic [02:42] Why you need to start thinking big as times are looking up [04:18] Building yourself and your business back up from a GFC [07:33] The financial challenges that Charley faced during the pandemic [11:33] How long will it take for your business to be financially stable? [13:08] The complexities of getting financing as a business owner [15:14] The effect of being a business owner on your risk profile [21:49] Preparing for the financial chasm [23:59] Undergoing the business growth phase [29:28] The result of unpreparedness [32:24] The bureaucracy of finance [35:50] The duality of mindset in business and property [37:02] Always think several steps ahead to set yourself up for success [45:10]   Links from the show: The Road Less Stupid by Keith Cunningham (http://amzn.to/3oHI1h7) Check out our Optimising for Wealth Episode (https://theinvestorlab.com.au/podcast-ep63-optimising-for-wealth/)   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.

If you could buy a property for a price lower than its market value, would you buy it? What if you could determine how much a property is ACTUALLY worth without being subjected to your own subconscious biases? Data analysis is an art that is highly underappreciated in the property industry. But what you might not know is that it may just be the very thing that can give you a leading edge advantage. You just need to leverage it. This week, Kent Lardner shares the positive influence accurate data has on your property investment decisions. We talk about what got him into property data analysis…What an SA3 is and what role it plays in your property journey…Forecasting hot SA3 areas in the future...And heaps more. See you on the inside!   In this episode, we cover: How Kent got fascinated with property data [03:28] The difference between the US, Australia, and China property datasets [06:14] Figuring out if the property is under market value or not [09:43] AVM data vs the advertised listing price [12:02] The issue with CMAs [16:15] Do different banks use different AVMs? [17:41] The necessity for a new property research platform [19:12] What is an SA3 and why is it important? [21:03] Things to look for in an SA3 [26:51] There are no good or bad methodologies, just right or wrong streets [27:43] Putting the property inventory up against the current trend [31:24] Taking a look at population density in making investment decisions [35:44] How rent comes into play in property market growth [38:35] The direction of the Melbourne property market growth [41:10] Can enough data and machine learning create accurate market predictions? [42:33] What qualifies Sutherland, Menai, and Heathcote as SA3 areas [45:41] Why the ACT continues to be a hot market [49:07] The difficulty of buying a property in WA [51:06] Kent’s passion for helping startups through accurate property data [54:22]   Link/s from the show: The Property Nerds Website (https://thepropertynerds.com.au/)   About Kent Kent is a property data expert with over 30 years of experience working for companies such as JLL, CoreLogic, and Genworth Financial. He was a director of PriceFinder and designed the original price estimation tool prior to heading up the banking platforms and analytics team at RP data / CoreLogic. Recently launching a new venture called ‘The Property Nerds,’ it features both a podcast and website.  Kent regularly appears on The Elephant In The Room podcast and in The Australian Financial Review. His specialties include; property data, market research, risk forecasting based on machine learning, data visualisation & web site content, automated valuation models, and statistics.   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.

What if you could achieve significance now and crack the code to lifestyle business mastery? How would it feel to be “in demand” instead of “on demand”?  Everyone wants to be successful and fulfilled in life, but often, we do the exact opposite of what we should be doing and make our lives even more stressful… And when we lose control, we burn out hard - fast. Today’s episode is all about finding success and significance, and Jen Du Plessis has heaps of gold to share in achieving just that.  We’ll be talking about her transition from wanting more to optimising for calm…Why niching down could be beneficial for growth and wealth in business…Balancing ‘working hard’ with ‘working smart’...And plenty more. See you on the inside!   In this episode, we cover: Jen’s drive to be in the top 1% of mortgage brokers [04:17] An experience on the pursuit of being the best [08:45] Her transition from wanting more to optimising for calm [12:51] Being on demand vs being in demand [15:39] snippet? Niching down to what’s aligned with your core values [17:03] The fear that stops business owners from niching down [20:15] Did Jen niche down for strategic growth & a higher income, or was the outcome accidental? [24:07] Having a focus on building wealth outside of business [27:42] Jen’s real estate strategy over the years [31:38] The 5 steps of cracking the code to lifestyle business mastery [35:56] Has being a female in a male-dominated industry shaped her views on business? [37:37] Balancing ‘working hard’ with ‘working smart’ [39:57] The ‘Circle of Chaos” [43:23] How to ease into micro-level resets & prevent overwhelm [46:19] The ‘Trifecta of Triumph’ (working only on the best part of your passion) [49:41] Success vs Significance [53:11] How can you become ‘significant’ now (rather than later)? [57:25]   Links from the show: Visit Jen’s website (https://www.jenduplessis.com/) Success to Significance Podcast (https://www.jenduplessis.com/podcast/)    About Jen During 15 of her 37-year career in the mortgage industry, Jen has been listed in the top 1% of loan officers nationwide, spending 3 years in the top 200 of nationally ranked originators and has funded over $1 Billion in mortgage loans. She is recognized as an Influencer in her industry as the best-selling author of “LAUNCH - How to Take Your Business to New Heights” and top podcast host of Mortgage Lending Mastery. Jen is a highly sought out and charismatic speaker, speaking on stages with icons such as Darren Hardy, Tony Robbins and Les Brown.   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.