Amy Lunardi
speaker
1,235 appearances
4 recordings
1 series
first heard May 2020
last heard Dec 2022
Amy Lunardi’s voice in public audio — every appearance, attributed to the second.
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Appearances
So going to the bank and finding out how much you can borrow.
Second is your cash flows.
So I quite often say to an investor up front, how much per month are you happy to contribute to this property out of pocket before tax?
And 90% of the time they'll say, well, I don't know.
And I'll send them away and I'll get them to do some homework and sit down and do their cash flows and come back to me and say, all right, this is the amount of
So then after that, we talk about the goals.
So does this property need to be more of a capital growth play or a higher yielding play?
Is this something that we want to be building a portfolio over time?
So we need to preserve borrowing capacity.
Let's talk about diversification if you already have a couple of properties.
And then lastly, we just talk a
client's risk profile.
So if they're very, you know, they're very nervous about property investing, we'll make sure we buy something that's a little bit going to give them a bit more of a smooth ride.
If they've had a bad experience in the past, for example, buying an off the plan property that hasn't performed, you know, we'll talk through that.
We'll talk about why that was not so much of a good choice and how we're going to do things differently.
Some investors want to be a bit more speculative.
And what I mean by that is we might look at areas that are a bit more gentrifying, up and coming.
So there's a little bit higher risks there.
But again, we're talking about the very long term.
And also these areas might be...
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