The Property Couch | The Insider's Guide to Property Investing

Last episode, we mentioned about Investment Stock vs. Investment Grade Properties and following that line of conversation, Bryce and Ben emphasized that some investors are just snatching up investment stocks now because they think that the property market is heating up and hence, are afraid of missing out. So this week, Bryce and Ben talk about understanding the property market trend and buying counter cyclical instead of chasing for properties which is potentially at the peak of their cycle already. This could potentially mean borderless investing for some of us and is especially true in Sydney where the property value seems to have overshoot the fair value.   What investors also need to remember is that each state has its own cycle but it’s not always easy to determine where the market is currently at. So how do you know if you are buying counter cyclical? A good source of information is the CoreLogic Monthly Housing & Economic Chart Pack where you get to see how the property market in each state had performed for the last 30 years. Click on the image to download the report.   It’s all about timing the market and avoid making rash decisions. Start listening the podcast to find out more! If you like this Insider’s Guide to Property Investing, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/

The most anticipated topic is finally here! Investment Stock vs. Investment Grade Properties. Bryce and Ben had been talking about this for weeks and so, in this episode, they started off by explaining what they meant with investment stock and how it is different with investment grade. There are a lot of properties out there that are specifically built for investment purposes (investment stock) and we are certainly not low in supply on new developments but these properties do not necessarily guarantee good returns and growth (Investment grade). There are a lot more science behind asset selection and some investors are potentially becoming victims of bad property investment advices if they don’t know the difference. So, how do you determine if the investment property you are looking at is just merely a rock or a diamond in disguise? Listen to this podcast to find out more.   Also, The Property Couch has just reached a milestone: 1,000 downloads for our podcast! Thanks to all our listeners and all the reviews that we received. We are also receiving a lot of question from our New Topics page and we promise you that we will discuss them eventually. In the meantime, keep the reviews and questions coming via the iTunes store or our Facebook page to spread the word!

In this episode, Bryce and Ben answered one of our listener’s question on whether studios or one bedroom apartments are good investment properties. This a great question and is often asked by many especially when we are seeing a surge in apartments around the city area. Technically, we are looking at this question in two parts. The first part is about understanding whether a studio or one bedroom apartment is a good choice of investment? And the second part is; are they are good investments if they are in the city? Before we start discussing their potential as investment properties, we also need to understand the difference between a studio and one bedroom apartment. Bryce and Ben started this podcast by defining these types of asset class, the regulations surrounding them and how do they fare as an investment property. Listen to this podcast to find out more. Also, The Property Couch is close to 1,000 downloads for our podcast! Thanks to all our listeners and don’t be shy to leave a review or rate us in the iTunes store or our Facebook page to spread the word! If you have any questions or ideas like Matt does, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/ and we will discuss about it at our upcoming podcasts.

In this episode, Bryce Holdaway and Ben Kingsley shares the last part of the Four Pillars of Mastery : Defence. Previously, they have spoken about Cash Flow Management, Borrowing Power and Asset Selection. If Asset Selection is the favourite part of the Four Pillars of Mastery, Defence is definitely the least favorite part. Most investors are always on the lookout for new investments or new ventures to go into, but the most important asset is actually the investor themselves. So, what kind of Defence do you need to put in place? Firstly, you need to know where your money is going and how much you used? Through that, you would have a starting point on what you should be defending. Listen to this episode to find out what other questions to you need to ask and who you should ask these questions to. If you like this Insider’s Guide to Property Investing, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/   ps: Happy Easter everyone!

In this fifth episode, Bryce and Ben disclose the third part of our Four Pillars of Mastery series:  Asset Selection. In previous episodes we talked about Cash Flow Management and Borrowing Power but Asset Selection is usually what most people are interested in. Well, let’s face it. Inspecting a property can sometimes be much more appealing than looking through the numbers. Having said that, it is in no way easier and in fact, because it creates such an emotional aspect to it a lot people make the most mistake in this section. Imagine going through a property and it has all the shiny taps and the stainless steels (or rather “The Bling!” as Ben put it), it can be quite tempting to just sign on the dotted lines and claim it your own. Bryce and Ben explains why you shouldn’t be affected by these things as a property investor and instead, to look at the other areas that are much more important. What are the other aspects of Asset Selection that you should focus at?  Listen to this episode to find out and if you like this Insider’s Guide to Property Investing, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/

Episode 004 of The Property Couch is a continuation of our Four Pillars of Mastery series. Last episode we talked about Cash Flow Management and how it is the first step to your property investment journey. Bryce Holdaway and Ben Kingsley also shared a Flow of Money diagram to illustrate their points. In this episode, they talked about the Borrowing Power. Once you know how much surplus you have at the end of each month then the next step it to know how high is your borrowing power so you can go ahead and buy an investment property. But it’s not as easy as going into a bank or a mortgage broker and get a loan set up. It’s never easy, isn’t it? If you are serious about building wealth via property investment, then you need to make sure you plan ahead in terms of choosing the right package and structuring your loan correctly. Listen to this episode to find out more on borrowing power and if you like it, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/

In this Episode of The Property Couch, Bryce Holdaway and Ben Kingsley talk about the four areas that each property investor needs to master. Property Investment is not just a transaction. There is a science behind it and in this episode, Bryce and Ben disclose the Property Investment Formula and how an investor can use it. They started off with the most complicated area: Cash Flow Management. Why is it the most complicated? That’s because cash flow management requires a lot of planning, observation and discipline from the investors themselves. In other parts of the Four Pillars of Mastery, you can get help from professionals but in this area, you need to be able to do it yourself because the advisor can only give you an indication not your actual number. Cash flow management demands a lot of time and effort but it is the first step to building your property portfolio and very likely the most important step. Listen to this podcast to find out more.   Below is the Cash Flow Management – Flow of Money chart that was mentioned in this podcast. If you are enjoying our podcast, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) or our Facebook page. If you have any ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/  

In this Episode of The Property Couch, Bryce Holdaway and Ben Kingsley talk about the limited recourse borrowing arrangements (LRBAs) on Self-managed super funds (SMSFs). While it is good to have a set of regulation on this, what is more important is perhaps to increase awareness on how people can invest in property using their SMSFs. Investors often get confused on what constitutes an asset grade investment property and there are a lot of bad property investment advice out there. As this is a high value transaction, making a wrong decision can mean an irreversible damage on a household’s financial position. So, it’s down to regulation vs education and finding a balance between the both of them is absolutely crucial in the property investment industry. Listen to this episode to find out more and if you like it, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) or our Facebook page. If you have any ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/ If you are interested to join the free webinar that was mentioned in this podcast, register here: Beginner’s Guide To Property Investment  

Welcome to the First Episode of The Property Couch! To kick start this podcast, Bryce Holdaway and Ben Kingsley share some of their personal property investment journey and the mistakes and lessons they learned along the way. This is the main reason why they are doing what they are doing whether as the chair of Property Investment Professionals of Australia (PIPA) or in their daily routine as buyers agents and property investment advisors; they want to help others fix and prevent bad property investment advice. Start listening to this podcast today! If you like this Insider’s Guide to Property Investing, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://www.thepropertycouch.com.au/topics/