How One Restructure Unlocked $2M in Borrowing Power

The Property Nerds

This week it is just the nerds! They’re pulling back the curtain on the finance moves even experienced investors miss. If you think restructuring is only for first timers, this episode will change your mind. We walk through three live client scenarios that shifted assets into smarter structures, freed up borrowing power and without higher incomes, created room for bigger commercial plays and two additional properties.

1. In this episode, you’ll learn:How to move a commercial asset from personal name to SMSF to lower tax, free borrowing capacity, and redeploy equity, before your next purchase.
2. Why “never sell” can quietly sabotage retirement and when selling to enter commercial converts paper gains into reliable cash flow.
3. The single bank trap for high earners and how multi lender policy differences and trust structures can add two properties without lifting your salary.

Timestamps:

00:00 - Why Paying Tax Is (Quietly) a Good Thing

02:05 - Case Study #1: Two Resi, One Commercial & ‘Tapped Out’

04:55 - Unlocking Capacity with SMSF & Trusts

08:39 - Easy vs Right: Ethics in Finance Strategy

12:01 - Case Study #2: When It’s Time to Stop Chasing Growth & Start Chasing Income

19:03 - Busting the ‘Never Sell’ Myth & The Down sizer Dilemma

23:08 - Case Study #3: High Income Bankers Stuck at One Bank

25:32 - Trusts, SMSFs & Replacing One Property with Two

29:36 - The Power of Two Extra Properties

Property is a game of finance. Structure, not just rate, dictates what you can buy next, how fast you grow and whether your portfolio will ever pay you to retire. These three cases show how smart sequencing can turn a stuck portfolio into a scalable, income producing plan.

If you want strategies like these mapped to your numbers, reach out to Fouracre Financial. Follow, rate, and send this to a mate who’s “tapped out” but still wants to grow.

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/