Three-Year Investment Property Plan for Tanya: Scaling from Zero to Three Homes
Rapid Path to Three Rental Properties in Three Years
Tanya is a self-employed tutor and single mother in Torquay, VIC, determined to build a three-property portfolio within 36 months. This strategic roadmap shows how she can progress from zero holdings to three investment assets—preserving her lifestyle and minimising risk.
Year 1: Foundation and First Purchase
Income growth: Scale tutoring earnings to $150,000 and add a $50,000 part-time role (total $200,000 gross).
Debt cleanup: Settle a $20,000 ATO bill using $15,000 in savings plus $5,000 from business cash flow.
Loan optimisation: Convert her owner-occupied mortgage to interest-only, freeing up about $775 per month.
Investment buy: Acquire a $700,000 property with $140,000 equity deposit, and claim $12,750 in depreciation.
Cashflow result: Net positive after-tax yield of ~$1,740 per year, while borrowing capacity remains strong.
Year 2: Expansion with a Second Asset
Equity drawdown: Use remaining home equity and fresh savings to trim the PPOR loan and boost DTI headroom.
Second purchase: Secure a $721,000 investment, supported by rental growth and a 3% pay rise.
Tax strategies: Leverage depreciation and negative gearing for ~ $1,572 in annual surplus.
Debt discipline: Keep total borrowings under 6× gross income by managing PPOR debt and maximising write-offs.
Year 3: Recycle Capital & Final Acquisition
Home sale: Sell the PPOR for ~ $985,000, then downsize into a $700,000 residence.
Capital recycling: Deploy $850,000+ net proceeds to pay down Property 1’s debt and fund the third deposit.
Third property: Buy a $742,000 asset, backed by $212,000 total income and generating a $7,000+ monthly buffer.
After-tax surplus: Approximately $1,356 per year from depreciation and rental income.
Portfolio Summary (End of Year 3)
Total properties: Three investments + one downsized PPOR
Aggregate debt: $1.73 million (within lender limits)
Ready to chart your own property journey? Book a strategy session with an expert and move forward with confidence: Talk to an adviser.
Discover the #1 tax secret wealthy Australian property investors use
to grow their portfolios faster — even in a high interest rate environment.
Learn how to turn wear and tear into
wealth
See real examples of $15,000+
first-year deductions
Understand how to structure your
purchases for maximum after-tax ROI
Download Your Free Wealth Building Guide
This ebook reveals how to legally slash your tax bill while building long-term wealth
through property.
Learn the strategies savvy investors use to gain an edge — even before settlement.
Maximise tax deductions and
improve cash flow
Understand Division 40 vs 43
and how to claim both
Choose your Sunday afternoon.
Golden hour on a balcony with a glass of red?
Baking with the kids, flour everywhere and giggles?
Phone off, hammock swaying, book half-read?
Or spreadsheets, stress, and...
Unlock the power of property depreciation and keep more of your hard-earned cash! Learn how this often-overlooked strategy can significantly reduce your tax bill and boost your investment returns. Whe...
Most people chase money.
The wealthy chase assets.
They don’t flex cars—they collect properties.
While you’re renting, they’re stacking tax deductions, passive income, and long-term gains.
This isn’...
10 Short-Term Goals to Jumpstart Your Property Investment Journey
Embarking on a property investment venture might seem daunting at first, but establishing clear, short-term goals will keep you focused and build crucial momentum. Whether you're just beginning or fine-tuning your approach, these 10 achievable goals (realizable in 1-3 years) are...
2025 Guide to Financing Multifamily Properties
Securing funding for an apartment block—defined as a multifamily property with five or more units—requires a different approach than traditional residential home loans. In 2025, various commercial real estate lending options and strategies have emerged to help investors navigate this complex financing landscape.
Popular...
How Depreciation and Tax Deductions Can Fund Your Next Investment Property
Savvy investors don’t just rely on rental income—they use depreciation and tax deductions to boost cash flow and power their next purchase.
The Power of Depreciation
Depreciation is a non-cash deduction that accounts for the gradual wear of a...
Understand your goals and build a tailored strategy—whether you're focused on cashflow, capital growth, or long-term wealth creation.
Access the Right Opportunities
Explore high-growth areas, new builds, house & land packages, or SMSF-ready properties matched to your financial profile.
Build Long-Term Wealth
Leverage tax advantages, depreciation, and smart lending strategies to maximise returns and grow your portfolio sustainably.
Start Your Investment Journey
Smart Property Investing Starts Here
Whether you're a first-time investor or growing your portfolio, we provide the guidance, tools, and insights you need to make informed decisions and secure high-performing properties. Let us help you turn property into prosperity.
