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Many Australians begin their property investment journey searching for the "best suburb" or the property with the highest expected capital growth. While capital growth is an important part of building wealth, experienced investors often ask a different question first. "Can I comfortably afford to hold this property over the long term?" The answer usually comes back to one of the most important concepts in property investing—cash flow. A property that generates strong rental i

Part 3 Step 7 – Compare Opportunities Objectively Once you've developed a strategy, understood your finances and completed your research, it's finally time to compare potential investment opportunities. This is where many investors become overwhelmed. There are thousands of properties available across Australia at any one time. Every listing claims to be a "great investment", and every suburb seems to have supporters and critics. Rather than asking: "Is this a good property?"

Part 2 Step 4 – Understand Your Borrowing Capacity One of the biggest surprises for first-time investors is discovering that the amount the bank is willing to lend isn't necessarily the amount they should borrow. Borrowing capacity is simply the maximum a lender believes you can afford based on your income, expenses and existing debts. Your investment capacity, however, is often very different. Just because you can borrow $900,000 doesn't automatically mean you should. A succ

Reading time: 10–12 minutes Property Investment Shouldn't Be Guesswork Buying your first investment property is exciting. It's also one of the biggest financial decisions you'll ever make. Unfortunately, most Australians begin by asking the wrong questions. "What's the best suburb?" "Should I buy new or established?" "Should I buy now or wait?" While these are common questions, they aren't the first questions you should be asking. The investors who build wealth over decades r