How Tanya Can Strategically Buy 3 Investment Properties in 3 Years
How Tanya Can Secure Three Investment Properties in Three Years
Tanya is gearing up to purchase a trio of investment homes between 2026 and 2028. As a self-employed professional earning $120,000 in 2025—and on track to hit $200,000 via her main business and side work—she has $324,000 in accessible equity in her owner-occupied residence. After settling a $20,000 ATO balance and restructuring her mortgage, Tanya’s ready to build a balanced portfolio focusing on cash flow, tax efficiency, and long-term growth.
Top Property Choices
Victorian House & Land Package: $582,750 purchase price, $580/week rent
Growth Drivers: Strong local infrastructure and development pipelines
2027: Inner-City Apartment (VIC)
Cost: $837,000
Estimated Rent: $815/week
Forecasted Positive Cash Flow: ~$556/month
Advantages: Premium location yields and solid capital growth projections
2028: Townhouse in Queensland
Cost: $830,000
Estimated Rent: $710/week
Funding Strategy: Leverage accumulated equity and increased borrowing capacity
Projected Financials by End of 2028
Total Annual Rent: $74,717
Aggregate Positive Cash Flow: $16,620/year
Total Debt Across Portfolio: ~$1.33 million
Total Estimated Equity: ~$1.86 million
Key Benefits of Tanya’s Strategy
Risk Management: Spreads acquisitions over three years to navigate market cycles.
Equity Leverage: Uses her home equity to secure low-cost finance.
Income Growth: Rising earnings boost her borrowing power.
Tax Advantages: Maximizes deductions with depreciation and interest expenses.
Conclusion
By following this phased approach—optimizing finance, leveraging equity, and targeting strong rental markets—Tanya can build a robust, cash-flowing property portfolio by 2028. Discover more investment strategies to build wealth and take control of your financial future today.
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