Stephen Knight

speaker

17,575 appearances 119 recordings 2 series first heard Sep 2019 last heard yesterday

Stephen Knight’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 118 in all, peaking in Aug 2026 with 32.

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The Property Academy Podcast · If a Rental Doesn’t Pass This “Test,” Don’t Buy It · 21 Sep 2026 podcast

before you buy an investment property. voice-verified

So, how might that work in practice? voice-verified

Well, let's say you had a property that was $600,000. voice-verified

It was renting for $600 a week. voice-verified

That's a pretty good yield, 5.2%. voice-verified

And if you borrow all of the money to buy it, so you don't you haven't saved up $120,000 to put in as the deposit, you borrow that against your own house. voice-verified

That's what we call the no cash needed method. voice-verified

Let's say voice-verified

It runs at about $10,000 a year in negative cash flow because these days the rent from the properties, especially if you borrow all of the money, might not be enough to cover all of the costs. voice-verified

So it might be negatively geared by $200 a week. voice-verified

That's what you've got to use to top up the property itself to make sure all of those costs are covered. voice-verified

Now, what you've got to then ask yourself is: well, what could you be wrong about? voice-verified

I mean, give me an example in that situation. voice-verified

And that's because property management and letting fees, those are based on the rent that you're actually charging. voice-verified

So for example, when you get a rental appraisal, the property manager will typically give you a range. voice-verified

And it might be $550 to $600 per week, or it might be, you know, six, six hundred to six twenty. voice-verified

If you use the lower of that amount, then you are already baking in some conservatism, I want to say, to your numbers. voice-verified

Now, test number two would be: well, what if interest rates go up? voice-verified

So this is another way of thinking about. voice-verified

The what if I'm wrong test. voice-verified

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