What actually separates successful property investors from those who get stuck, overleveraged, or disappointed?

This episode breaks down the 5 most critical lessons in property investing.

These lessons can either fast-track wealth creation or quietly hold investors back for decades (if ignored).

You’ll discover what truly makes the difference when it comes to finance structure, asset selection, mindset, and long-term strategy.

Tune in to hear about:

✅ Why defining your why and setting clear goals is the foundation of successful property investing

✅ How poor finance structuring and loan strategy can restrict borrowing capacity and stall your property portfolio for years

✅ Why choosing the right investment property and location beats trying to time the market

✅ The biggest myth in Australian property investing EXPOSED (and what the data really shows)

✅ The importance of building the right property investing team… including an investment-focused broker, accountant, buyer’s advocate, and property manager

✅ Why investor mindset, patience, leverage, and momentum are more important than chasing short-term gains

Whether you’re buying your first investment property, scaling a multi-property portfolio, or trying to recover from a poor purchase - this episode will help you understand what actually moves the needle in property investing.

Key Moments:

00:02:20 Finding your why and goals
00:05:00 Building your investment team
00:07:20 Asset selection decisions
00:10:40 Property as a business
00:13:00 Long-term mindset thinking
00:15:40 The compounding effect
00:17:20 Five lessons summary

Listen now and get the complete five-step framework that's helped investors pay off their homes decades early.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Want to understand what actually drives returns in the Australian property market?

In this episode of the No BS Property Investing Podcast, we’re sharing the real financial “engine room” behind a strong property portfolio strategy.

You’ll hear a range of topics, including: rental yield, borrowing power, cash flow, buffers, negative gearing, and depreciation.

This episode is for you if you’re an aspiring property investor looking to avoid stalling their portfolio, improve serviceability, manage risk, and build a plan that holds up over the long term.

Tune in to learn:

✅ How rental yield impacts borrowing power (and why small rent differences can have a huge impact)

✅ The surprising situation where chasing higher rent can backfire

✅ The role of cash flow when forecasting investment returns

✅ How to set up buffers and offset accounts to stay in control

✅ Negative gearing explained in simple terms… and when negative gearing becomes dangerous

✅ A simple yet effective way to improve after-tax cash flow

✅ How to think about the next 10 - 15 years of portfolio growth and planning

This is a must-watch for understanding how rent, yield, and structure affect your ability to buy again (and build wealth faster).

00:01:40 How Yield Impacts Borrowing Power
00:05:20 When High Earners Chase Growth Over Yield
00:08:00 The Tenant Loyalty Trap
00:11:00 Building Strategic Buffers
00:15:20 Negative Gearing Explained Simply
00:18:40 When Negative Gearing Gets Dangerous
00:20:40 Depreciation Schedules Decoded
00:24:00 Planning Your Next Property Purchase
00:29:00 What The Next Decade Looks Like

If you're serious about building a property portfolio that compounds over decades… not one that stalls after the first purchase… hit play now and take notes.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Natasha Choi is one of Australia’s Top 100 Mortgage Brokers, has helped over 3,000 clients, and settled more than $500 million in loans.

She’s also a property investor, developer, and mother of two.

This episode is a must-listen for people, couple, and women looking to get into property investing.

Whether you're buying your first investment property, planning your next move after a life transition, or simply want to understand how to approach property investing with confidence - Natasha shares practical insights and empowering advice from the front lines of finance and lending.

Key moments:

00:01:00 Top 100 Australian Broker
00:02:20 Male-Dominated Industry
00:04:40 Raising Kids + a Career
00:06:40 How Parenting Made Her Better at Finance
00:09:20 Why Some Clients Request Female Brokers
00:12:00 Becoming Confident
00:17:20 Couples & Investing Alignment
00:18:40 Advice for Women

Ready to take control of your financial future?

Listen now and discover how to leverage investment properties (even if that feels “out of reach” right now).

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Natasha From ALIC✅

Natasha is a seasoned finance professional with over a decade of experience.

She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Less than 10% of investors own more than one property. Natasha Choi owns multiple.

She started at 22, and did it all while raising a family and running a growing career in finance.

In this episode of The No B.S. Property Investing podcast, we sit down with Natasha Choi, senior investment lending manager at the Australian Lending & Investment Centre(ALIC) - and one of Australia's top-performing brokers.

Natasha opens up about her property investing journey… from buying her first investment property at 22 to building a diversified portfolio.

All while raising a family and breaking norms in the male-dominated finance industry.

If you’re a first-time property investor, considering rentvesting, or confused about things like LMI, guarantor loans, or the buy vs. sell property debate, this episode is a must-listen.

Tune in to hear about:

✅How Natasha started investing in property at just 22 years old

✅The role of buyers advocates and how they helped her build a strong portfolio

✅How to use Lenders Mortgage Insurance (LMI) strategically

✅What is a guarantor loan, and how parents can help kids get started

✅Insights into cash flow management and budgeting for investors

✅Why rentvesting can be a smarter move than buying your dream home

✅The difference between good debt vs. bad debt

Natasha also shares how her migrant family background shaped her conservative mindset around money and debt - and how she broke through with education, expert guidance, and early action.

Key moments:

00:00:00 Meet Natasha Choi
00:03:00 Breaking Free From "Debt Is Bad" Thinking
00:05:40 Why Financial Literacy Isn't Taught
00:07:40 First Investment at 22
00:11:20 Why She Used Professionals Early
00:14:00 Her Biggest Investment Mistake
00:17:20 How Young People Can Start Today
00:21:20 The Guarantor Pathway
00:24:00 When to Hold vs Sell Property
00:25:20 The Rentvesting Strategy

Hit play now and discover why the best time to invest was yesterday - and the second-best time is today.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Natasha From ALIC✅

Natasha is a seasoned finance professional with over a decade of experience.

She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Thinking about self-managing your rental property to save money?

This episode explains why self-management can cost investors more in vacancies, under-renting, compliance issues, and lost borrowing power - and what smart Australian landlords do instead.

In this episode of the NO BS Property Investing Podcast, we break down why property management is one of the most critical (and misunderstood) parts of successful property investing.

From rental performance and tenant quality to refinancing, borrowing power, and long-term growth - poor management can quietly destroy your returns.

Joined by Mark Davis (Australian Lending & Investment Centre), we unpack what investors must know about managing rental properties properly.

Tune in to discover:

✅ Why self-managing a rental property often costs more than it saves
✅ How missed maintenance turns small issues into expensive problems
✅ Why tenant selection is just as important as purchase price
✅ What to look for when choosing a property manager
✅ The truth about property management fees (and what really matters)
✅ How consistent rent performance affects borrowing power & refinancing
✅ When and how to fire a bad property manager (step-by-step)
✅ How property management directly impacts portfolio growth & leverage

Hit play now and learn why great property management is the difference between building wealth and just owning real estate.

Key moments:

00:01:00 Why Management Matters
00:02:20 Self-Management Pitfalls
00:05:00 Hidden Costs of Bad Management
00:06:40 Selecting the Right Manager
00:12:00 Fee Structures Explained
00:14:40 Rent and Refinancing
00:17:20 Bank Calculations
00:18:40 Switching Property Managers
00:23:00 Matching Tenants to Risk

Whether you're buying your first investment property or managing a growing portfolio, this episode delivers the practical frameworks you need.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Don’t let poor planning cost you thousands… or your property deal!

Whether you're a first-time buyer or a seasoned investor, this episode lays out exactly what to do after your offer is accepted - so you avoid delays, confusion, and expensive mistakes.

Your hosts, Julian and Mark Davis (Founder of ALIC, managing over $4.5 billion in loans), guide you through every step.

You’ll hear about things like sending the contract to your broker and conveyancer, to managing finance clauses, organising building and pest inspections, setting up insurance, and navigating settlement through PEXA.

Tune in to also hear about:

✅The importance of setting finance and inspection clause deadlines early
✅How to coordinate communication between brokers, solicitors, and agents
✅The truth about finance approval timelines and why “pre-approval” isn't enough
✅The risks of missing key dates and how it can cost you more than money
✅How to prepare for your pre-settlement inspection and what to look for
✅What happens on settlement day, who’s involved, and what PEXA does
✅The steps to ensure your property is rent-ready from day one
✅Final settlement day tips to keep things smooth, stress-free, and on track


Most buyers assume the hard work is over once their offer gets accepted. But this episode reveals a different reality.

The real work starts the moment ink hits paper.

Key moments:

00:01:00 What happens after contract signing
00:03:00 First actions after offer acceptance
00:06:00 The insurance mistake that costs buyers
00:10:00 Why communication makes or breaks deals
00:12:00 What banks actually need for formal approval
00:16:00 Getting your property manager involved
00:18:40 Why self-managing rarely pays off
00:21:40 Pre-settlement inspection essentials
00:27:00 Finance checks before settlement
00:30:00 How modern settlement actually works

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

How do you make a winning offer on a property in Australia without overpaying or losing out to savvier buyers?

Here's what top brokers and buyer’s agents want you to know...

In this episode, we’re tackling the most stressful part of buying property: making an offer and negotiating the deal.

You’ll hear why the traditional approach of leading with your best price often backfires -and what to do instead.

The episode also covers the dangers of waiving building and pest inspections, how to use the cooling-off period as a tactical advantage, and the truth about whether you can trust real estate agents.

Tune in to discover:

✅ How to negotiate a property purchase in Australia

✅ How to tell if a vendor is motivated to sell

✅ Understanding different sale methods (auction, private sale, sale by set date)

✅ Key terms and conditions that can win (or lose) a deal

✅ Using the cooling off period to your advantage

✅ How to build rapport with agents to uncover vendor expectations

✅Why agents may not be working in your best interest

Whether you're a first home buyer, an experienced investor, or just starting your property journey, this episode is packed with real-world advice, negotiation strategies, and buyer psychology you won’t hear from agents.

Key moments:

00:02:50 Understanding Vendor Motivations
00:04:10 Terms Vs Price
00:07:10 Building Agent Rapport
00:10:30 Finance Clauses And Bank Delays
00:11:10 Building And Pest Inspections
00:16:50 Using The Cooling Off Period
00:20:10 Real Life Example Of Winning Terms
00:22:10 The Bridging Finance Dilemma
00:26:50 Common Negotiation Mistakes
00:29:50 Handling Buyer's Remorse
00:37:50 Can You Trust The Agent

Listen now to avoid losing properties to buyers who understand the negotiation game better than you do.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

FREE DOWNLOAD: Property Due Diligence Checklist → https://ripe.house/3KkqjBk

Most property investors get this wrong - discover how to do due diligence the right way before you buy an investment property.

Whether you're a first-time investor or already building your portfolio, understanding how to accurately assess a property's price and mitigate risk is critical to long-term success.

In this episode of The No B.S. Property Investing Podcast, Julian flips from host to guest as Mark fires off the hard-hitting questions every buyer needs to consider before signing a contract.

Tune in to discover:

✅Why the advertised price of a property is often misleading (and what to do instead)

✅How to analyse recent comparable sales (not old data!)

✅The truth about underquoting and how agents manipulate price guides

✅How to reverse-engineer sold prices for more accurate data

✅Risk mitigation strategies every smart investor must apply

✅A detailed walk-through of our investment property due diligence checklist

✅The 2 biggest mistakes 95% of buyers make when purchasing

Learn how Julian and the team at Ripehouse consistently buy properties that outperform the market using data-driven strategy and structured criteria.

Key moments:

00:01:40 The advertised price trap
00:04:40 Under-quoting
00:09:20 Wolf of Wall Street mistakes
00:11:40 Fixation kills opportunity
00:15:00 Offers that never reach vendors
00:17:40 The property selection criteria
00:21:00 Floor plans and swimming pools
00:24:00 Public housing
00:26:20 Why 1 in 100 pass the checklist
00:28:20 Due diligence equals clarity

Listen now to get the investment property due diligence checklist - and stop making the mistakes that cost most investors years of growth.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/