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In this new episode, Ben Senior breaks down the exact maths behind a safe, profitable property investment purchase, showing how to model holding costs conservatively and understand what you can truly afford to hold long‑term.

◼️ Borrowing capacity and deposit structure

◼️ Real holding costs on a $600k property

◼️ Vacancy buffers, yearly expenses and tax benefits

◼️ Why new builds reduce out‑of‑pocket costs

◼️ The weekly figure that shows if you’re ready to invest

Chapters:

00:00:00 - Introduction

00:00:53 - What You Can Comfortably Afford to Hold

00:01:14 - Why Time in the Market Matters

00:01:25 - Step 1: Can You Borrow?

00:01:47 - Step 2: Can You Afford to Hold It?

00:02:22 - Annual Costs You Must Factor In

00:03:06 - How Depreciation and Tax Change the Numbers

00:04:14 - New vs Established: Cost to Hold

00:05:09 - Why Manageable Holding Costs Matter

00:05:20 - Does the Property Fit the Broader Plan?

00:05:26 - Borrowing Capacity and Portfolio Growth

00:05:32 - Yield vs Growth vs Balanced Strategy

00:05:37 - Planning Your Exit Strategy

00:05:47 - Getting Help to Map Out Your Plan

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