20 years ago, Shahin moved to Australia to learn English and travel. He had no plans to stay, no permanent residency, and no property portfolio. Today? Three investment properties across three cities and two states with over $500,000 in equity generated in just a few years.

In this episode of the Property Nerds podcast, Arjun Paliwal sits down with InvestorKit client Shahin to unpack the full journey — the mindset, the challenges, the family dynamics, and the decisions that made it all possible.

💡 What you'll learn:

→ The $850K apartment Shahin passed on that's now worth $8 million

→ Why he refused to buy his own home first and what he did instead

→ How he bought a house in Toowoomba for under $400K (now worth ~$700K)

→ The system he uses to manage multiple mortgages without financial stress

→ How he dealt with rising interest rates, inflation headlines & outside noise

→ What separates data-driven investors from emotional ones

"I put my emotions aside completely. Everything has to be an asset. If it makes sense, I'm buying."

📞 Book your free 15-minute discovery call:

👉 investorkit.com.au

InvestorKit — 2026 REB Buyers Agency of the Year. $500M+ in equity generated for Australian investors.

🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au

✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au

✅ CONNECT WITH INVESTORKIT:

Website: 👉 https://www.investorkit.com.au

Send your questions to: 👉 arjun@investorkit.com.au

Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit

Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au

Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit

Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit

Chapters

0:00 Intro — Shahin's story & results snapshot

2:45 Moving to Australia 20 years ago — the beginning

5:41 First job at Rebel Sport & a sales mindset

7:46 The $850K apartment now worth $8 million

9:15 "Everything has to be an asset" — where the mindset came from

11:01 Why he chose a buyers agent (and how he picked InvestorKit)

14:23 Toowoomba: a house under $400K, now worth ~$700K

19:54 Blocking out noise — rates, headlines & fear

23:01 Managing cash flow across three properties

31:34 What $500K+ equity means for his family's future

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

LinkedIn: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

LinkedIn: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

LinkedIn: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au

The banks control the rules but they don't control which lender you use. In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down exactly how savvy investors are using smarter lending strategies to borrow more, hold more, and build wealth faster.

💡 What you'll learn:

→ Why a single rate rise only shifts borrowing capacity by ~$20–30k (and what actually matters more)→ How third-tier lenders with 40-year loan terms and lower stress buffers unlock hundreds of thousands in extra capacity

→ The real impact of rate rises on investors vs owner-occupiers (hint: negative gearing helps a lot)→ Why brokers now hold 80% market share — and how that forces banks to change their policies

→ The equity release + offset account strategy that lets you hold negatively geared properties without feeling the pain

→ Arjun's personal formula: saving 25–45% of net household income to "hold the fort" while your assets compound

🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au

✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au

✅ CONNECT WITH INVESTORKIT:

Website: 👉 https://www.investorkit.com.au

Send your questions to: 👉 arjun@investorkit.com.au

Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit

Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au

Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit

Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit

Chapters

0:31 Meet Jack Fouracre (Fouracre Financial) & why property is a finance game

3:01 Arjun's book: Driving the Data

3:31 How rate rises actually affect borrowing capacity

6:01 Major banks vs third-tier lenders explained

8:01 Real example: $300k deposit vs $150k cash buffer kept

9:01 The equity release + offset buffer strategy

13:31 Compounding growth vs negative cash flow

18:31 The savings formula: 25–45% of net income

23:01 Brokers have 80% market share — what that means for you

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

LinkedIn: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

LinkedIn: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

LinkedIn: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Over $4.6 trillion sits inside the Australian super system, but for many investors, it’s simply left inside default funds with little control over how it’s invested.

In this episode of The Property Nerds, we sit down with Natalia Clack from Easy Super to unpack the growing trend of Australians taking control of their retirement savings through Self Managed Super Funds (SMSFs) and how property is becoming part of that strategy.

We unpack:

1. Why SMSFs surged in popularity after 2020
2. The biggest mistakes people make when setting up a fund
3. How Australians are using super to invest in property
4. Why borrowing power outside super is pushing investors to look inside it
5. The common balances and ages where SMSFs start to make sense

If you’ve ever wondered whether your super could be working harder for you, this episode breaks down the structure, risks and opportunities investors need to understand.

Timestamps:

02:10 - Natalia’s 22 Year Journey in the SMSF Industry

04:20 - Why SMSFs Surged After 2020

06:00 - Borrowing Power & Why Investors Look to Super

07:45 - The Biggest SMSF Mistakes People Make

11:40 - Why the Right Specialist Team Matters

14:55 - Typical SMSF Balances & Who It’s For

20:50 - Can You Pay Expenses Before Your SMSF Is Set Up?

24:00 - How Much Cash Buffer an SMSF Should Hold

27:00 - Crypto, Gold & Alternative Assets Inside Super

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we break down what’s actually happening inside SMSF lending right now… and why it’s opening doors most investors don’t even realise exist.

From 90% LVR opportunities to commercial deals that can cashflow from day one, this episode is all about understanding what your super can actually do when lending strategy is done right.

We walk through real numbers, real scenarios, and where most people either unlock growth… or get stuck.

Because in property, it’s not just what you buy, it’s how you structure it.

Timestamps:

01:20 - More lenders entering the SMSF space

02:40 - 90% LVR in SMSF (and why it’s a game changer)

04:40 - Who this strategy actually works for

07:10 - Residential SMSF: what a $600K deal looks like

10:45 - Why contributions + rent matter more than you think

12:00 - Commercial SMSF explained

18:20 - The biggest mistake investors make with SMSF strategy

In this episode of The Property Nerds, we break down how he went from working full time while studying, to buying his first investment at 23 and scaling to three properties across multiple states using strategy, not luck.

This isn’t a story about earning crazy money. It’s about decisions, discipline, and understanding how the game actually works.

We unpack:

1. Why buying in your own backyard can hold you back
2. The small money habits that accelerated his first deposit
3. How one decision changed everything
4. What most first time buyers get wrong about apartments
5. How equity replaced saving for his second property

If you’re in your 20s and feel like Sydney has priced you out, this episode will show you what’s actually possible when you shift your strategy.

Because property isn’t about where you live. It’s about how you play the game.

Timestamps:

05:11 - Why Sydney felt impossible at the start

06:09 - The advice that stopped him buying units

08:29 - Why buying in your own backyard can be a mistake

12:39 - First property

18:59 - Using equity to fund property #2

21:05 - The reality of rising debt and cash flow pressure

27:05 - Third property + shifting to non-bank lending

31:48 - His advice for anyone starting in their 20s

In this episode of The Property Nerds, we sit down with an investor who asked a simple question years ago: “Do you think we’re in a position to buy a house?” What followed was a seven year journey building a diversified portfolio across Australia before ultimately purchasing a Sydney home.

From borderless investing to buying in markets most Sydney buyers overlook, this episode unpacks the strategy, mindset and lessons behind building a portfolio of eight properties worth over $7 million.

We unpack:

1. Why he chose to invest outside Sydney early in his journey
2. How borderless investing opened up opportunities across multiple states
3. The Adelaide purchase that nearly doubled in value
4. Why “ugly” properties can outperform beautiful ones
5. How investing first helped unlock the ability to buy a Sydney home

This episode is a real world case study of how long-term strategy, disciplined decision-making, and diversification can compound into serious results.

Timestamps:

02:15 - The question that started the journey

05:10 - Why he looked outside Sydney first

12:05 - Treating property like a “bricks and mortar bank account”

15:50 - Regional investing and the Toowoomba purchase

19:30 - Dealing with maintenance and investor mindset

23:10 - The off the plan mistake that went backwards

27:00 - Moving from growth to passive income assets

30:45 - The importance of portfolio reviews

Whether you're considering your first investment, thinking about buying interstate, or wondering how investors actually build portfolios large enough to change their financial future, this episode offers a transparent look at the journey behind the numbers.

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Are you on the list of professionals who can borrow at 90-95% with no LMI?

Most property investors assume they need a 20% deposit.

Many wait years to avoid Lenders Mortgage Insurance. But in 2026, there are dozens of professions quietly accessing high-leverage loans without paying a cent in LMI.

Doctors know.Some lawyers know.Most investors don’t.

In this episode of The Property Nerds, we break down how LMI actually works, which jobs qualify for waivers, and when paying LMI might actually make you more money.

We unpack:

1. The professions eligible for 90-95% LMI waivers
2. Why banks offer waivers to certain industries
3. The partial LMI refund strategy most investors don’t know about
4. When to stop using high leverage in your portfolio
5. A real whiteboard comparison: 90% waiver vs 97% with LMI

If you’re building your first property, scaling your 3rd, or trying to move faster without waiting years to save a deposit, this episode will change how you think about leverage.

Because in Australia, property isn’t just about price, it’s about finance strategy.

Timestamps:

02:15 - What Lenders Mortgage Insurance Actually Is

05:40 - The Partial LMI Refund Most Investors Miss

08:50 - Professions That Qualify for 95% Loans

12:10 - Government Schemes & First Home Buyer Guarantees

16:05 - 90% Waiver vs 97% With LMI

18:45 - When Paying LMI Makes Financial Sense

20:10 - When to Ditch the LMI Waiver Strategy

21:30 - Scaling Beyond Your First 2-3 Properties

Whether you’re trying to enter the market sooner, stretch your deposit further, or optimise your finance strategy for long term scaling, this is an episode you need to hear.

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Are the banks quietly shutting the door on trust lending?

Major lenders are pulling back. Macquarie stepped out. CBA tightened policy. ANZ followed. Anti money laundering reforms are expanding. DTI limits are biting. Suddenly, the “endless borrowing” strategy many investors relied on looks very different in 2026.

In this episode of The Property Nerds, we break down what’s really happening in the lending landscape and what it means for property investors building portfolios today.

Is trust lending dead?Or is it simply evolving?

We unpack:

1. Why major banks are stepping away from new trust lending
2. The regulator pressure and DTI limits most investors don’t see
3. How non bank lenders are filling the gap
4. Why “unlimited borrowing” was never a real strategy
5. The difference between tax planning vs borrowing capacity plays

If you’re planning to buy your 2nd, 3rd or 5th property, this episode will help you understand how lending strategy, not just rate shopping, determines whether you scale or stall.

Because property is a game of finance first.

Timestamps:

02:10 - What Actually Changed in Trust Lending

04:45 - Why Macquarie’s Exit Caused Panic

07:30 - Anti Money Laundering & Regulatory Pressure

10:20 - The Truth About “Endless Borrowing”

13:15 - Are Non Banks the New Power Players?

16:40 - SMSF Lending Déjà Vu

19:30 - Major Banks vs Smaller Lenders Explained

22:10 - Why Rate Shopping Can Cost You Long Term

24:50 - The 3-4 Property Reality Most Investors Ignore

Whether you’re structuring your first investment properly, reassessing your current portfolio, or trying to understand how to scale in a tighter lending environment, this is an episode you need to hear.

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/