How banks assess income and serviceability

Why do 80–90% of property investors get stuck at just two properties? And more importantly, do you actually need more than two to achieve financial freedom?

In this episode of the Folio Property Podcast, Reece and Lachlan break down the real reasons investors hit a wall. From cash flow and serviceability to bank valuations, equity traps, and dangerous lending strategies being pushed online.

We unpack: - Why most investors stall after their first or second property- How banks really assess your income, rent, and borrowing power- The truth about debt recycling, trust lending & “infinite borrowing” claims- Why desktop valuations can create fake equity- Why 2026 is shaping up to be a year of massive speculation- The dangers of off-the-plan, regional & SMSF property pitches

2026 is set to be a big year for property in Australia, join us every Tuesday to get the most up-to-date information and advice on investing, market updates and building property portfolio. If you’re investing in 2026 or thinking about investing, this episode is essential listening before your next purchase.

Timestamps: 00:00 Introduction 01:43 Why Investors Get Stuck At Building A Portfolio 04:41 How Much Of Your Equity Should You Use To Reinvest 05:50 How Trust Lending Can Help You Expand Your Portfolio 08:42 How Investors Are Manipulating The Banks For Higher Valuations 14:38 Why First-time Investors Are Being Targeted With Off-The-Plan17:04 How To Minimise Risk When Investing 18:45 Investing In Self-Managed-Super-Funds (SMSF)

Key Themes: - property investing Australia- property portfolio strategy- debt recycling explained- property equity strategy- trust lending property- SMSF property investing- fake equity property- property investing mistakes- financial freedom property- 2026 property market AustraliaAbout the Folio Property PodcastEach week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.📍Visit Our Website: https://follio.com.au/📩 Contact Us: info@follio.com.au📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok: https://www.tiktok.com/@folliopropertypod Spotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLywLachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/

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