this is property 807 being an ethical landlord, property strategy, upsize now or after kids & when to sell
Feb 24, 2026
They debate charging market rent versus rewarding long-term tenants and what ethical renting looks like. A clear breakdown of a focused property investment strategy is covered. Practical talk on using equity, loan structures and timing an upsizing when planning for kids. Discussion on barriers for ex-homeowners re-entering the market and key points first-time buyers should consider.
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Balance Market Rent With Tenant Loyalty
- Do set rent at fair market value but weigh tenant loyalty against turnover costs when a long-term tenant is below market.
- Rachelle and John suggest staying $20–$30/week below market for a seven-year tenant to reward loyalty and avoid frequent turnover costs.
Work Out Your Cashflow Limit First
- Do calculate what cashflow shortfall you can personally sustain before choosing investment property locations or types.
- John recommends starting with mortgage broker numbers and then designing strategy around how much shortfall you can handle.
Use Home Equity Strategically When Buying An IP
- Do use owner-occupied equity carefully: know whether to leave funds in offset or draw equity for deposit depending on cashflow outcomes.
- Rachelle notes borrowing 100% for an IP is common and you must plan for >100% borrowing costs initially.
