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Passive Income Doctor

Passive Income Doctor

Written by: Dr Dan
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Join Dr Dan, an Australian doctor who is on a mission to improve financial health for doctors and healthcare professionals. Interviewing money experts, doctors turned entrepreneurs, and documenting his own journey to passive income.

© 2026 Passive Income Doctor
Economics Leadership Management & Leadership Personal Finance
Episodes
  • Lending update early 2026
    Jan 28 2026

    Lending is critical for growing a property portfolio, and there are some significant changes coming to borrowing in 2026.

    In this update, joined by doctor and mortgage broker Leon, we discuss 2 big changes for 2026- DTI (debt- to- income ratio) limits, and also trust lending changes- big banks including Macquarie and CBA have pulled out.

    And also we discuss importance (or more importantly, really how important) interest rates are for those looking to buy in 2026.


    I'm on a mission to improve doctors financial literacy, especially when comes to property. Follow Leon and also my socials, for more tips and behind the scenes into our daily lives:

    Dr Dan (@passiveincomedoctors) • Instagram photos and videos

    Leon | Mortgage Doctor (@themortgagedoctor_) • Instagram photos and videos

    Music Credit: Bass Nation.
    New episode every fortnight.
    Send in your questions to: passiveincomedoctors[AT]gmail.com
    If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

    Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

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    13 mins
  • Darwin property 2026?
    Jan 1 2026

    Where to buy in 2026? Many investors have started buying in Darwin, a relatively affordable capital city in Australia. I share some recent purchases, rental yields, drivers for growth.

    Other episodes:

    Buying my first property at 23 years old

    Music Credit: Bass Nation.
    New episode every fortnight.
    Send in your questions to: passiveincomedoctors[AT]gmail.com
    If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

    Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

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    10 mins
  • Capital growth vs cashflow
    Dec 17 2025

    Will admit more recently I have been leaning more towards capital growth rather than cashflow, especially when earlier in investing journey/accumulation phase. One reason being, if working, any additional income will be taxed at your marginal tax rate, and for many doctors that's the highest tax bracket 47%.

    May make more sense in retirement to have focus on cashflow.

    Of course, cashflow management is still important- do not want too negatively geared properties to the point that you can't hold them.

    In this episode with BA Richard, we discuss some cashflow strategies- granny flat, duplex, unit blocks, NDIS, rooming homes.
    Also, we talk about some common sayings "Cashflow keeps you in the game but capital growth gets you out of the rat race"


    Music Credit: Bass Nation.
    New episode every fortnight.
    Send in your questions to: passiveincomedoctors[AT]gmail.com
    If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

    Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

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    31 mins
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