PropertyInvesting.com | Little_Stone | Activity https://www.propertyinvesting.com/members/little_stone/activity/ Activity feed for Little_Stone. Wed, 15 Apr 2026 00:50:25 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 1bada35491a9d4a0f5b76568355423d8 Little_Stone replied to the topic Advice needed in financing for my first IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4973023-advice-needed-in-financing-for-my-first-ip/#post-4989687 Wed, 23 Apr 2014 02:46:04 +0000 Superb advice here. Property investing is as much about strategy as it is having the means to action it.
Researching areas for their growth / yields and speaking with real estate agents, looking and monitoring prices/rents on the ground  you want to buy etc are extremely important to ensuring if you buy a “dud” on your 1st IP it can leave you…[Read more]

]]> 002d54c546f9de010bb805bfca8acb5d Little_Stone replied to the topic About to purchase first investment property and I am already confused in the forum Help Needed! https://www.propertyinvesting.com/topic/4988635-about-to-purchase-first-investment-property-and-i-am-already-confused/#post-4989683 Wed, 23 Apr 2014 02:20:54 +0000 I agree with the above ^^^
megb6086 – $350 a week on what seems to be a debt of $430,000 or there abouts is quite low in my eyes. (Happy to be corrected by other members if i am off the mark here).
Aside from tax reasons etc, the main question is, “Why this property/area?”. Are you expecting a large growth in the area to stimulate the rent going…[Read more]

]]> e62d808218edfe524e98585ba44d7482 Little_Stone replied to the topic equity deposit question in the forum Help Needed! https://www.propertyinvesting.com/topic/4989497-equity-deposit-question/#post-4989682 Wed, 23 Apr 2014 02:08:38 +0000 Let’s not complicate this. You can borrow safely upto 80% of your property value.
>81% and over will incur Lenders Mortgage Insurance. Some banks allow 90% but again you pay LMI on that 10%.
i.e. Your house is now worth $500,000 and your debt is $300,000.
$500,000 x 0.8 = $400,000 minus your debt leaves you with $100,000 of equity to use…[Read more]

]]> b69d45fae4907dec9b015c1351317f02 Little_Stone replied to the topic Do i rent or do i buy first..? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410865-do-i-rent-or-do-i-buy-first/#post-4926914 Tue, 15 Apr 2014 02:54:29 +0000 Hamish, just reading these as a spectator I think Mark and Streamlineinvesting are really on the money. Scuse the pun. I’d really keep your advice to professionals like above as apposed to friends and family’s opinons.
Pure figures just speak for themselves, if those IP’s grow by 6%, in no time will you have earnt enough equity to use that for…[Read more]

]]> f9dc74618b58325b85117bb37ce6d514 Little_Stone replied to the topic BUY OR HOLD?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4912821-buy-or-hold/#post-4915124 Mon, 14 Apr 2014 05:31:45 +0000 Hi Dangermouse9,
Looking at it from here, it has $46,000 of use-able equity in it. ($420,000 x 0.8 minus the debt = $46,000). Have you looked into the other use-able equity in your other 3 IP’s..?
Your repayments would go up ofcourse on the mortgage but with your managing agent, is rent going up in price relevant to the growth in the area?…[Read more]

]]> 3250e98445d30df9349c6028af4c254f Little_Stone replied to the topic Positive Cashflow - Where to Start?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410925-positive-cashflow-where-to-start/#post-4815738 Fri, 11 Apr 2014 06:12:31 +0000 Interesting.
I understand the rental yields to be 2-3% but the growth potential being talked about is between 6-8% as a minimum.
You prefer 5-8% yields over 6-8% capital growth..?
L_S

]]> cbe74c9e460d40a9a9855f43d031f3a0 Little_Stone replied to the topic New to investing in the forum Help Needed! https://www.propertyinvesting.com/topic/4410889-new-to-investing-9/#post-4805631 Fri, 11 Apr 2014 01:32:20 +0000 Always interested in where these areas are of yours Richard. :)

]]> f1691a49ff2b8282b7c3e6ebc8d78829 Little_Stone replied to the topic Positive Cashflow - Where to Start?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410925-positive-cashflow-where-to-start/#post-4800375 Thu, 10 Apr 2014 23:17:22 +0000 Hi Richard, do you consider the yields too low for CBD purchases..? Being that you have 99% of your properties there. Where do you consider the safer suburbs to enter into..?
L_S

]]> f11d726610f23b5281f8a9233d8572e4 Little_Stone replied to the topic After reading my first book and working out im in the wrong cycle- Negative not Positive in the forum Help Needed! https://www.propertyinvesting.com/topic/4410872-after-reading-my-first-book-and-working-out-im-in-the-wrong-cycle-negative-not-positive/#post-4748636 Thu, 10 Apr 2014 03:23:47 +0000 Hi Mandy,
Benny is definitely put it in the right context.
My questions are, by what age (how long to go) do you want to enjoy the spoils of your IP’s and what is the $$$ figure you need them to produce?
By this you/your advisors can work out if you have time to reinvest into a new property cycle if you maybe need to look at other investing…[Read more]

]]> a13d3c9ee511f4d9d8c73718488d66b1 Little_Stone replied to the topic Positive Cashflow - Where to Start?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410925-positive-cashflow-where-to-start/#post-4747751 Thu, 10 Apr 2014 02:48:41 +0000 Hi Hifo,
The quote from QLDS007 is really sound advice. A Financial Planner is a good way to see with what type of investment suits your “PURPOSE” for investing your money.
I also agree with QLDS007 with the areas chosen I wouldnt be recommending those either. I’d be thinking closer to your home, Brisbane CBD is really hot right now and…[Read more]

]]> 1730f9d4c7e01766c978e3a46f26e232 Little_Stone replied to the topic $300,000 cash in the forum Help Needed! https://www.propertyinvesting.com/topic/4410879-300000-cash/#post-4747550 Thu, 10 Apr 2014 02:40:21 +0000 Hard question to answer directly. I think Jacqui has depicted it quite fairly.
Goals, Strategy and then Apply from there. If it’s wealth you’re after then there’s on strategy, if it’s to set up a comfortable retirement there is another all together.
I think Scenario #3 would be my pick and when investing use a 20% deposit, pay the fees involved…[Read more]

]]> 4a51d5f1c58193b631ecbfccc41d3c96 Little_Stone replied to the topic Investment property in the forum Help Needed! https://www.propertyinvesting.com/topic/4410839-investment-property-12/#post-4744761 Thu, 10 Apr 2014 01:26:19 +0000 Dear Ren Ren, after all of the above. Did you find what you were looking for..?

]]> 7b348b497f705215f575098e280bd3e8 Little_Stone replied to the topic Negatively geared with a positive cash flow? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410924-negatively-geared-with-a-positive-cash-flow/#post-4743638 Thu, 10 Apr 2014 00:48:46 +0000 Shank, what was the reason behind selling it..? To buy IP, to buy a new PPOR..?

]]> bd865686389e84fa1e645bbb72b327e1 Little_Stone replied to the topic Negatively geared with a positive cash flow? in the forum Thanks Jamie. https://www.propertyinvesting.com/forums/topic/negatively-geared-with-a-positive-cash-flow/#post-4700423 Tue, 08 Apr 2014 06:07:37 +0000 Thanks Jamie.

Well you've just answered your own question, it is in top 50 suburbs, it is in limited competition in its features and in supply (supply is what will hurt your value and vacancy rates) so why not. You would not want to throw away all the work done in the past 2 years when you now have a "product" which can get you into a position to…[Read more]

]]> 79d584c32e0ecc6d86daf8d3caa31da4 Little_Stone replied to the topic Negatively geared with a positive cash flow? in the forum There are much more https://www.propertyinvesting.com/forums/topic/negatively-geared-with-a-positive-cash-flow/#post-4700418 Tue, 08 Apr 2014 05:47:54 +0000 There are much more experienced forum members, Jamie being one of them as well as Richard Taylor.

However, if your property has grown by $50k (give or take) over 2 years (5% p.a.) is not terrible, but with the area is it maintainable. I've read previously Jamie referring to using an offset feature on the loan if turning a PPOR into an IP to…[Read more]

]]> a1257cdf8fcf8313cf0837c1672d2378 Little_Stone replied to the topic Negatively geared with a positive cash flow? in the forum Hi Shank, https://www.propertyinvesting.com/forums/topic/negatively-geared-with-a-positive-cash-flow/#post-4700416 Tue, 08 Apr 2014 05:33:53 +0000 Hi Shank,

What is the debt on the property..?

L_S

]]> 3d521022b1d0ac5e0c9ccdebefd9e625 Little_Stone replied to the topic New to investing in the forum Hi Dave, https://www.propertyinvesting.com/forums/topic/new-to-investing-9/#post-4700284 Tue, 08 Apr 2014 05:20:09 +0000 Hi Dave,

Benny is completely right in the fact you are very well set up to proceed into nearly any market, property, shares etc.

The question i have is, what is your strategy/reason/purpose towards investing in property? (wealth or early retirement or a hobby to renovate houses) and with this goal when do you want to achieve it (years)..?

Agree…[Read more]

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