In Episode 2 of The Smart Property Investor, host Naveen Merani sits down with Steve Palise from Palise Property - one of Australia's most recognisable names in commercial property investing. Steve did what most investors only talk about: he sold down the majority of his residential portfolio and went all in on commercial. With over 11 years in the industry and over 2000 property purchases under his belt, Steve brings a rare blend of analytical rigour and hard-won experience to a space many investors find intimidating.

In this episode, Steve breaks down how commercial property actually works - from the mechanics of commercial lending to the realities of getting started - and challenges some of the most persistent myths that keep residential investors on the sidelines.

Fair warning: Steve gets very specific, and a lot of maths happens on the whiteboard. So tune watch the video version on YouTube to dive deeper.

What We Cover

• How commercial lending actually works — including lease doc loans, where a property can fund itself off its own rental income without factoring in your personal income at all
• How much money you actually need to get started — Steve breaks it down by price point, and explains why "you need millions to invest in commercial" is one of the most damaging myths in this space
• Whether residential really is the safer bet inside your SMSF — and why Steve's answer might surprise you
• Why buying your own business premises through your super is usually the wrong move — even though almost every business owner wants to — and how to know if you're the exception
• The case for selling your residential portfolio to go commercial — and how Steve made that call himself
  
  

About the Guest:

Steve Palise is the founder of Palise Property, a nationwide buyers agency specialising in commercial and residential property investment across Australia. With a background in engineering, Steve brings an analytical, numbers-first approach to a space that most investors find overwhelming.

He's purchased thousands of properties for himself and his clients across every state, authored Commercial Property Investing Explained Simply, and built one of Australia's leading educational resources for commercial property investors through the Commercial Property Institute — a free online training program available through his website.

Connect with Steve:

Website: https://www.paliseproperty.com

Free Course: https://www.propertyinstituteaustralia.com.au/courses/commercial-property/

Book: https://www.paliseproperty.com/book-store/

YouTube: https://www.youtube.com/@paliseproperty

LinkedIn: https://www.linkedin.com/in/steve-palise/

Facebook: https://www.facebook.com/paliseproperty

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

The information discussed in this episode is general in nature. It does not constitute financial, tax or legal advice. Please speak with a qualified adviser before making any decisions about your own circumstances.

In the debut episode of The Smart Property Investor, your host, Naveen Merani, sits down with Davie Mach from Box Advisory Services for a wide-ranging conversation about what actually happens behind the scenes when a client applies for a loan. They work through the 5 C's of Credit framework, then spend most of the episode unpacking three real client scenarios. Fair warning: this one gets surprisingly honest about where brokers and accountants sometimes pull in opposite directions, and why that matters for your borrowing power.

What We Cover

• The 5 C's of Credit: the framework brokers use to score a loan application before it ever reaches a bank
• Case Study 1: A high-income couple trying to get back into investment property and confused about structure
• Case Study 2: A business owner who minimised his tax a little too well and is now stuck when trying to borrow
• Case Study 3: Two brothers mid-way through a duplex development with a finance problem they didn't see coming
• Why accountants and brokers sometimes give you conflicting advice, and how to navigate it
• The CGT discount debate: is it actually worth obsessing over?
• When non-conforming lenders make more sense than going straight to your bank

About the Guest

Davie Mach runs Box Advisory Services, an accounting firm he's built over the past six years. He also produces content for over 50,000 YouTube subscribers on tax planning and property investing. If the conversations in this episode sound like what happens at your accountant's office at 9 pm, that's because they basically are.

Connect with Davie:

Book a call: https://www.boxas.com.au/book-a-consultation-yto/

Youtube: https://www.youtube.com/@DavieMach

LinkedIn: https://www.linkedin.com/in/davie-mach/
Instagram: https://www.instagram.com/boxas_syd
Facebook: https://www.facebook.com/boxadvisory/

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

The information discussed in this episode is general in nature. It does not constitute financial, tax or legal advice. Please speak with a qualified adviser before making any decisions about your own circumstances.