The Property Nerds

The Property Nerds
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Welcome to The Property Nerds Podcast, where real estate meets research and data drives decisions. The team behind InvestorKit were named Winner of the REB Buyers Agency of the Year 2026, one of the highest honours in Australia’s property advisory industry. Hosted by Arjun Paliwal, Founder and CEO of InvestorKit, alongside Adrian, Senior Portfolio Strategist at InvestorKit, and Jack Fouracre of Fouracre Financial. Together they unpack market trends, finance strategy and portfolio building so investors can make smarter property decisions backed by data, not hype.

  1. 6D AGO

    These Jobs Get 95% Loans With No LMI… Are You On The List?

    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: The professions eligible for 90-95% LMI waiversWhy banks offer waivers to certain industriesThe partial LMI refund strategy most investors don’t know aboutWhen to stop using high leverage in your portfolioA 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/

    24 min

  2. FEB 24

    The End of Trust Lending? What Investors Aren’t Being Told

    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: Why major banks are stepping away from new trust lendingThe regulator pressure and DTI limits most investors don’t seeHow non bank lenders are filling the gapWhy “unlimited borrowing” was never a real strategyThe 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/

    23 min

  3. FEB 17

    Sydney Property Market: Is the Inner West the New Eastern Suburbs?

    Is the Inner West becoming Sydney’s new Eastern Suburbs? This week’s guest, Ramon Raneal, is a leading Inner West real estate agent who’s sold over 200 properties across the region and gives us an insider’s view on what’s really driving Sydney’s $2M terrace market. In this episode of The Property Nerds, we unpack one of Sydney’s most debated markets, the Inner West. From $2M “first homes” on small blocks to families migrating from Coogee and the Lower North Shore, we explore why buyers are paying premium prices for lifestyle, proximity, and identity. We unpack: Why 160sqm terraces are competing with larger blocksThe post COVID buyer shift into the Inner WestYoung families and down sizers driving demandWhy land size doesn’t mean what it used toHow 3-6 month settlements are reshaping negotiations If you’re investing in Sydney, planning to upgrade, or building a long term portfolio, this episode breaks down the psychology, numbers and strategy behind one of Australia’s most tightly held markets. Timestamps: 02:15 - What Defines the Inner West 04:20 - $2M First Homes & PostCOVID Shifts 06:45 - Why Land Size Doesn’t Matter Here 09:30 - The 160sqm Terrace Debate 12:10 - Investor vs Owner Occupier Mindset 14:30 - How to Sell in the Inner West 18:40 - Street by Street Price Differences Explained 21:50 - 3-6 Month Settlements & Changing Negotiation Trends 24:40 - The One Upgrade Sellers Shouldn’t Ignore Whether you’re chasing lifestyle, capital growth, or future consolidation, this is one you need to understand. 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/

    26 min

  4. FEB 10

    Why Paige Hadley Started Investing Before Netball Retirement

    In this episode of The Property Nerds, we sit down with Paige Hadley to unpack the side of elite sport most people never see, the uncertainty, the sacrifice and the brutal reality that a professional playing career has a time limit. Paige Hadley is one of Australia’s most respected netballers, with a career spanning from world cups to commonwealth games and international representation for the Diamonds. Known for her consistency, leadership and longevity at the elite level, Paige has spent more than a decade performing in high pressure, high performance environments, where contracts are short, careers are finite and planning for life beyond sport is essential. Paige shares what finally made her start thinking seriously about money, wealth, and life after netball, how she and her partner Jordan approached property investing with contract based income and why building the right “support team” (just like sport) was the turning point that made investing feel possible and repeatable. We cover: The BTS reality of pro sport: uncertainty, sacrifice and why career length changes how athletes think about moneyHow Paige started investing with contract income and the mindset shift that took her from “I’ll just save” to building real long term wealthWhy a support team matters, how data builds confidence, and why going borderless is often the smarter move Timestamps: 02:40 - “Netball isn’t forever”: when life after sport became real 08:10 - Building a business alongside sport 14:20 - What athletes should know about income, career length, and wealth 17:10 - The mindset shift from living “contract to contract” to long term thinking 22:40 - “I wouldn’t have done it alone” why support systems matter 25:30 - Sydney prices and why most people do nothing 27:40 - Why helping women invest is personal for Paige 30:00 - What holds people back from starting 33:10 - Motherhood, money choices and freedom 36:00 - Taking the plunge, asking questions, building your future If you’ve been waiting until you “earn more,” feel more confident or have it all figured out this episode is the reminder that confidence comes after action, and the right strategy + team can change everything. 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/

    34 min

  5. FEB 3

    Rental Yield Won’t Boost Your Borrowing Power

    In this episode of The Property Nerds, we break down one of the most common investor assumptions: that chasing a higher rental yield will meaningfully boost your borrowing capacity. Plus, we unpack a timely SMSF lending update that could change how some investors think about leverage and diversification: 90% LVR options without risk fees, and what that may mean in practice. If you’ve been filtering suburbs based on yield, this episode is your reset.We cover: 1. Why yield obsession usually shows up too late and why it rarely moves borrowing capacity the way people think 2. How a 0.5% yield increase can equal only a modest borrowing bump once banks shade rent and apply DTI limits 3. The bigger levers that actually scale portfolios: income, strategy, savings rate, and lending options 4. What’s changing with higher LVRs and no risk fees, and why it matters for liquidity and diversification inside the fundTimestamps: 00:00 – “If you’re stressing about yield… it’s probably too late” 01:10 – Rental yield impact on borrowing capacity: the big misconception 03:17 – Why a higher yield feels logical 06:01 – The hidden cost: fewer markets, longer search time, missed upside 07:48 – “Cash flow isn’t king” 10:00 – Why higher prices often mean lower yields 11:01 – Fixed costs don’t scale like prices 16:30 – Why negative cash flow is more normal now 18:41 – Growth vs cash flow framing 21:05 – 90% LVR options and what’s changed 22:16 – Why that’s a meaningful difference 24:00 – Stop chasing yield, start building strategically If you’ve been telling yourself “I just need a higher yield first,” this episode will help you zoom out, run the real numbers and focus on the variables that actually move the needle, without delaying your next purchase for the wrong reason. 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/

    25 min

  6. JAN 27

    We Started at 45… Now We Own $5.1M in Property

    In this episode of The Property Nerds, we sit down with Peter and Serena to unpack how they built a $5.1 million property portfolio across six properties, starting in their late 40s after nearly a nine year gap of doing nothing. They share the honest reality of what held them back, why “knowing” isn’t the same as acting, and how building the right team changed everything. From going borderless across four states to navigating doubt, timing, finance constraints and market cycles, this conversation breaks down what it really takes to go from your first property to a serious portfolio, without rushing, guessing, or chasing fast money. If you’ve ever wondered whether it’s “too late” to start, how to invest with confidence, or how to avoid costly first-purchase mistakes, this episode is your reset. We cover: 1. How Peter & Serena built a $5.1M portfolio (6 properties) starting in their late 40s and why it’s not too late 2. The 9 year gap and the mindset shift that finally got them moving (and what it cost them to wait) 3. The team & strategy that made it repeatable. Going borderless across multiple states, staying aligned as a couple, and balancing “don’t overpay” vs “don’t miss out” Timestamps: 00:00 - “The hardest part was making ourselves start” 02:12 - From family life to first action: what really changed 04:51 - The 9 year investing gap explained 06:11 - Why most people think they have to do it alone 08:38 - Sitting on equity without realising it 09:19 - From first purchase to serious portfolio momentum 10:30 - Switching teams: what actually matters 12:01 - Regional investing fears and data-led confidence 14:54 - What a good team should never do 16:37 - Diversification across four states 18:24 - Overpaying vs missing out: the real valuation balance 19:17 - Investing as a couple: mindset, risk and communication 22:57 - Going borderless: buying without seeing the property 26:32 - Starting late and investing efficiently 29:41 - Biggest lessons from a $5.1M portfolio 32:50 - Financial habits that made it possible 35:13 - Building wealth for the next generation 37:51 - Consolidation, retirement and what comes next If you’ve been sitting on the sidelines, waiting for the “perfect time,” this episode is a reminder that education without action changes nothing, but the right strategy, team and mindset can change everything. 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/

    45 min

  7. JAN 20

    Trusts Aren’t the Tax Hack You Think They Are (And Lenders Just Changed the Rules)

    In this episode of The Property Nerds, we cut through the noise on property trusts, because despite what the internet says, a discretionary trust is not a magic “distribute to anyone” tax loophole. With Ronesh from Incentum Group joining as a repeat guest, we go back to basics on discretionary vs unit trusts, the real world tax traps and why your finance strategy must come before structure if you actually want to build a portfolio. We also unpack the lender headlines, the extra compliance pressure being placed on trust setups and the key message investors miss: costs are the cost of doing business, strategy and market cycles come first. We cover: The biggest myths investors believe about discretionary trustsWhy you can’t just “distribute income to anyone” Discretionary vs unit trusts: when each structure actually makes senseThe negative gearing catch inside trustsLand tax differences across states The hierarchy investors need Timestamps: 00:00 - The trust myth 01:59 - Lenders pulling back from trusts: what’s actually going on 02:37 - Trusts explained simply: trustee, beneficiaries, and “discretion” 04:20 - Who should buy in a trust? The 3 questions to decide 06:21 - Discretionary vs unit trusts: the key difference most investors miss 06:49 - When unit trusts make sense 09:54 - Why trusts don’t always “save tax” 11:27 - Why distributing outside the group can trigger 47% 12:26 - Land tax reality: state by state rules and why it gets complicated 21:31 - Finance first, cost of doing business last If you’ve been trying to pick a structure based on tax savings alone, this episode is your reset: start with borrowing capacity and strategy, build the right team, then treat trust costs as part of the cost of doing business, not the thing that blocks your investing plan. 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/

    26 min

  8. JAN 13

    Rentvesting: Is It ACTUALLY Smarter Than Buying a Home?

    In this data driven episode, Arjun, Jack and Adrian unpack why rentvesting is becoming one of the biggest wealth strategies of 2025 heading into 2026 and when it doesn’t make sense. The nerds break down the four core principles of rentvesting, using real examples to show how renting can boost flexibility, protect cash flow and unlock borrowing capacity, if you invest the right way. You’ll also hear their 2026 outlook, including the rise of digital nomads earning Aussie income while living overseas. We cover: What rentvesting actually isInterest rates vs rental yields and cash flow gapThe hidden borrowing power advantage renters can have over owner occupiersWhy buying the “wrong” home can shut down future investingHow location can impact career, business and income growthThe mistakes new rentvestors make and how to avoid themWhere rentvesting is heading next Timestamps: 02:19 - What rentvesting is (and what it’s not) 03:03 - Why rentvesting is surging in 2025 04:40 - Renting in expensive cities vs investing elsewhere 05:29 - The real cost of moving: 6-10% + $40k-$60k per transaction 06:46 - Interest rates vs rental yields 07:28 - $6M price point + 1.7% yield 08:08 - When rentvesting doesn’t make sense 10:08 - Why rent isn’t “sensitised” like a mortgage 11:42 - Owner occupier vs renter vs investor scenario 12:30 - Lifestyle vs investment performance 14:41 - Arjun’s case study: “2-minute commute” performance rentvesting 19:39 - The biggest rentvesting mistakes 22:42 - Competing for rentals + “100 person queues” 24:42 - When buying your home can be the smarter move 30:02 - 2026 outlook: is rentvesting getting more attractive? 31:34 - The next trend: Aussies rentvesting while living overseas If you’re serious about building wealth through property, rentvesting isn’t just a lifestyle choice, it’s a finance and performance strategy. Watch this episode to understand the framework, run the numbers properly and decide whether rentvesting is the right move for you going into 2026. 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/

    37 min
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About

Welcome to The Property Nerds Podcast, where real estate meets research and data drives decisions. The team behind InvestorKit were named Winner of the REB Buyers Agency of the Year 2026, one of the highest honours in Australia’s property advisory industry. Hosted by Arjun Paliwal, Founder and CEO of InvestorKit, alongside Adrian, Senior Portfolio Strategist at InvestorKit, and Jack Fouracre of Fouracre Financial. Together they unpack market trends, finance strategy and portfolio building so investors can make smarter property decisions backed by data, not hype.

Information

  • Creator
    The Property Nerds
  • Years Active
    2021 - 2026
  • Episodes
    106
  • Rating
    Clean
  • Copyright
    © The Property Nerds
  • Show Website
    The Property Nerds

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