There's so much property information—from financial lingo to legal and construction terms—that can be overwhelming even before making an offer. When I started, it was all foreign to me, and I didn’t have time to learn it all. That’s why assembling your A-team is crucial.

Your A-team will educate you on key terms, issues to avoid, and risk mitigation measures. It took me a decade to build mine, which has been vital to my success.

Assemble your team:

• Accountant: Advises on lending structures for your unique circumstances.

• Property Lawyer/Conveyancer: Ensures strong, protective contract terms.

• Property Buyers Agent: Understands your needs, market dynamics, and negotiation.

• Building and Pest Inspector: Identifies structural and pest issues within the property. 

These experts can save you from costly mistakes, far exceeding their fees.

Property is a growth-focused asset, not a cash flow asset. As an example, You put $1 in and get $5 through the power of compounding time. Over 20-30 years, property values generally increase despite short term market drops.

When property value increases, you can leverage that growth to increase your asset values, aided by time and market factors.

At Insighto, we focus on helping you grow your presence in the property market by combining two factors:

• Organic growth through time

• Manufactured growth through value add

This creates a perfect storm for a catalyst for accelerating and multiplying your initial capital, this is known as the power of leverage.

The more you do now, the less you'll have to do in the future. Many people do very little in their 20s, then scramble in their 30s and 40s to catch up.

Take advantage of government grants like the 5% First Home Owners Grant or pay LMI to enter the property market now. Sacrifice a little, leverage on your first purchase, and compound onto the second and third.

Entering the property market comes down to two factors: financial means (cash, bank loan) and choosing where and what to buy. When these are balanced, you can make a purchase.

You can balance the capital side by securing cash through a mortgage broker or venture capital. On the supply side, build market knowledge and find the right property.

Identify your weakest link and add the weights to do the heavy lifting. If capital is balanced ie you have a pre approval focus on upskilling yourself in market knowledge and property search to balance the scale and close the transaction.

If you don’t want to it by yourself, or are struggling and not knowing where to start, reach out to Insighto. We ORBIT around your unique needs, to help you find clarity, purpose and confidence to purchase now. 

The million-dollar question that even AI, Chat GPT, TikTok, Siri, and Google can't answer is: where is it best to buy? The answer depends on your unique journey and goals. 

A key metric from the Insighto Orbit Framework that has been pivotal to my success is: buy the worst property on the best street in the best location for your price point.

Why the worst property? It has the power to grow due to:

• Reduced asking price from repair costs and maintenance issues or simply, 

• The Fear and risk deterring average investors

This creates opportunities for strategic offers that favor the buyer. At Insighto to, all our purchases identify where true value lies, and positioning our offers that reflect this. 

Established properties often outperform new ones because you're paying a premium for brand new, contributing to the builder's or developer's profit.

While buying established homes generally gives you more for your money, it often comes with renovation needs - the value add. It's about weighing your options—whether you can sacrifice features like a modern kitchen for a better price.

Building allows you to tailor a property to your needs but comes with long timeframes, higher costs, and smaller land sizes.

At Insighto, we dive deep to understand your requirements - needs and vision and help you find the property that best fits both your short term and long term needs.

Lower socioeconomic areas often have poorer growth track records, which seems to contradict the "Location, Location, Location" motto. However, these areas can offer substantial capital growth due to affordability and lower price points.

These markets typically grow because they are more affordable and attract a wider demographic. People spill over from more expensive suburbs, increasing purchasing power and demand.

These markets require caution and careful data analysis. Personally, I've invested in such areas despite skepticism and stigmatism. 

For example, my properties in Shepparton, VIC, purchased for $169,000 in 2020, now sit in the mid $400s, and in Armadale, WA, bought for $240,000 in 2022, now sit in the high $400s.

There's a lot of chatter about why not to purchase an apartment for your property portfolio. Interestingly, my first property purchase was an apartment, despite common advice against it.

An ideal apartment search should include:

• Boutique: 10-15 apartments in a block, the less the better, on a quiet street in a prime location, either inner city or near coastal living.

• Scarcity and location: Ensure the area has strong demand for apartment living.

• Buyer demographics: Make sure the target demographic wants to live there.

Key metrics I looked for were:

• Good natural sunlight (north-facing)

• Usable outdoor courtyard space

• Renovation potential

• No lift, gym, or pool to avoid high strata fees.These public spaces definitely are nice to have and nice to use, but when things go wrong, the cost of repair and ongoing maintenance gets passed on to the owners via strata levy fees. 

• Prime location with future growth potential based on council and government plans.

The House and Land Package: Dream House or Investment Dud?

Many property investment specialists advise against H&L packages, viewing them as inferior investments compared to homes in established neighborhoods. 

The vast, expandable land estates fail to create the demand-supply imbalance needed for strong price growth due to the constant supply and availability of land. 

However, I want to share a story with you, my story - I went against this advice and invested in a house and land package at the Pakenham Ascot Racecourse redevelopment in 2017. The reasons were:

• Prime location within an established town center and existing rail line.

• Scarcity of land releases due to the limited development footprint. The development was restricted to the size of the existing racecourse which was surrounded by established houses. 

• Guaranteed price increases at each staged land release. 

• I purchased land within Stage 2 of a limited 14 Stage release. Each 14 stages were increased at $15 - $20k increments. 

So Insighto - Tremont Street, Pakenham

• Land Cost: $149,000

• Build Cost: $155,000

• Total House and Land Package: $304,000

Growth is simplified by one key element: the power of time, nurtured by patience. These allow you to propel forward.

You won't grow your property portfolio quickly without significant cash and income. Decreasing debt and increasing income is crucial to service more debt.

Time helps your properties grow in value, giving you leverage to use equity for new purchases.

The key is buying the right property. The wrong asset can delay your growth and test your patience.

If you need help identifying the right growth asset for a faster growth cycle, reach out to Insighto. We Simpilfy, You Buy, Together We Thrive.

Should I wait for the market to get better or for interest rates to fall? This question comes up in every property conversation. The truth is, there's no perfect time to enter the market - Yesterday was the best time, today is the right time. Prices vary, and there's always market fluctuation at all price points.

The key factors for confidently entering the market are your unique journey and risk appetite. Basic economics shows that high demand drives prices up.  When there are fewer properties available, and demand is still high, more people place offers, creating competition and driving prices up. 

My advice: buy when banks are lending, when you have the financial capacity with proper buffers, and when scientific data and sentiment indicates the right market signs. 

Don't rely solely on market trends. Let Insighto find the true value, allowing you to purchase now, purchase well, and purchase with confidence for long-term growth.

To maximize renovation value, here's a strategy I've personally implemented across my property tool kit:

Tool Kit 1 

When buying mid-1980s houses, I often find disjointed living spaces. By redesigning the floor plan, I add value and optimize today's living. This change enhances the flow and appeal of the house to suit our modern living. 

For example, in a recent Perth purchase, I’m converting one of two living spaces into a master bedroom with an ensuite and opening up the kitchen and dining area. This transforms a 3-bed, 1-bath house into a 4-bed, 2-bath property, increasing its value typically by $200k-$300k, far more than the renovation cost. 

Tool Kit 2 

Manufacturing rental yield is essential for property as a growth asset. Focusing solely on capital growth, neglects cash flow, making it expensive to hold the property.

When prospecting deals, I think beyond optimizing floor plans or adding rooms. Some properties have the right block size, access, and orientation to add an additional dwelling such as a granny flat. This can exponentially increase rental income.

If done well, including integrated landscaping, you can generate typically a rental uplift of $500-$700 per week from the second property

Growth, cash flow, and yield in one property—fantasy or reality? The simple answer is yes, but with caution. 

The "Triple Unicorn Property" is the ultimate goal for investors.

Many investors now focus on cash flow due to rising interest rates and widening gaps between income and expenses. My strategy is to buy in historically consistent growth location and purchase the worst property in the best location.

By adding value through revised floor plans or a granny flat, rental income and yield can typically double ie 3% - 6%. This creative approach ensures you don't sacrifice growth for yield. 

Remember, wealth comes from compounding capital growth, not just cash flow.

At Insighto, we dive deep to understand your requirements - needs and vision.

We help you find the property with the right balance of capital growth, cashflow and yield to propel you forward in your unique property journey.