Mentoring FAQs

1. Why is it so important that I invest in this program?
The number one reason why it’s important you do this program is because getting educated will help you avoid making the biggest mistakes that so many property investors make. You see there are literally dozens of mistakes you can make in property investing and each one can cost you big time.

For example some of the common mistakes you could make include:

Setting up the wrong buying structures so you pay 10s of thousands of $$$ more than you need to in Capital Gains Tax or other taxes. Alternatively you may be burning money by not claiming the tax deductions you are legally entitled to as a property investor.
Blowing your money on the wrong sort of property for your financial goals because you don’t have a clear, well thought out strategy for achieving financial independence – in other words you’re buying a property on an ad-hoc basis much like you would buy a car or a fridge.

The reality is, to achieve financial independence through property each investment you make needs to support and fit in with your overall strategy or your portfolio could fall apart because it is imbalanced.

Only investing in capital growth properties so you hit the ‘financial brick-wall’ and have to ‘live on baked beans on your way to wealth’

It’s so important to know how to find high yield positive cashflow properties as well as capital growth properties because they will allow you to keep on borrowing from the banks to expand your portfolio -and also replace your income so you can retire sooner.

In our mentoring program we show you how to avoid these mistakes – and many others. And that’s why our clients tell us that our program has not only allowed them to build wealth much quicker – but has also paid for itself many times over by allowing them to avoid big and costly mistakes.

Then of course there’s the issue of ‘speed.’ With the help of my ‘All Star Team’ and I, you can realise your goal of financial independence through property investing much sooner.

For example, one investor has bought a staggering 12 high performance properties in 1 year in my program.

Now I am not saying you’re going to do that – but it does indicate how quickly you can accomplish your goals with the right team supporting you.

2. When do I start making payments for the program?
You pay your initial deposit once your application is accepted, then the payments start on the week before the program commences.

3. I’m interested in your course, but I was wondering about the success rate of people who have completed your course?
We’re proud of the fact that our current success rate is as follows: 82% of students buy at least 1 property in the program, 52% investing in two or more. Obviously your level of success depends on your willingness and commitment to put the techniques and strategies into practice with the help of your coach and support from me.

However if you take action, then we feel sure you will take strides towards financial freedom in the program. As you can see from the testimonials we provide, many of our students have played full out and built million dollar portfolios- while others have chosen a more modest path. We will support you in whatever path you wish to take.

4. What if too many people follow your strategies? Does that affect my chances of success?
Absolutely not. There are countless property investment opportunities in Australia’s and an ever increasing supply of renters due to population growth and other economic factors. In fact only 5% of the total Australian population have purchased an investment property and only 1% have purchased more than two properties. Don’t worry about other investors – they are no threat to your success.

5. What about land tax?
Land Tax is a state tax which varies from state to state. Some states have an exemption threshold which applies before land tax is levied. Thresholds may be different depending upon whether you buy the properties in your own name or in another legal entity like a trust. In our Program our accountant will show you techniques to minimize your exposure to land tax. Larger portfolios will generally attract land tax and it is your responsibility to find out if you are liable for land tax. It’s always best if you consult your accountant for specific advice regarding your circumstances.

6. The thought of managing tenants and rental properties scares me. Is there an easy way of dealing with this?
Absolutely! Find yourself a good property manager, tell them what you expect of them and keep a close eye on what they do. Be willing to change your property manager if they do not perform to your expectations. To make it easy for you we will even give you the questions to ask your property manager to help make sure you pick a good one. And once you have a good property manager in place your main tasks will be occasionally approving maintenance cost and watching the money come in month after month.

7. I’ve heard horror stories of tenants destroying rental properties. What is your experience with this?
Yes I’ve heard these horror stories too but I can honestly say that it’s never happened to me(although like most investors I have had issues with tenants in my early days of investing). Now days I know the key to stress free property management is good tenant selection, firm property management and insurance.
It’s important that you select your property manager carefully. This will mean that you will have to interview your Property Manager personally – as mentioned I give you the questions to ask to do this. The correct selection could mean the difference between a high and a low vacancy rate, the level of rent that you receive and the quality of tenant found.

It’s important not to select your property manager based solely on their fee; their skill is worth paying for. A lot of suburban Real Estate Agents employ young inexperienced people to manage up to two hundred properties under their management. This physically means that they won’t be able to manage your property properly; they simply won’t have the time. We actually recommend one particular national property management company that can make sure you not only maximise your rental income, but also minimise vacancies & have a stress free landlord experience.

8. I’ve already invested in property before. Is there anything I can learn from this program?
Absolutely! Even though this program contains all the necessary step by step information for beginners to get started it also contains many advanced strategies and techniques to help you:

- Maximise your capital growth
- Find high performance positive cash flow properties – with less risk
- Continuously buy properties – without hitting the financial brick wall
- ‘Sleep easy’ with solid Asset Protection in place
- Maximise the returns on each property,
- Leveraging off existing properties to maximise your return,
- Minimise the impact of land tax
- Diversify your Portfolio
- Manage your Risks
- Create joint ventures so you can get into more deals with less money down and potentially less risk exposure

The reality is if you don’t have a 5-figure income from your multi-million dollar portfolio that funds your lifestyle so you never need to work again – then there are definitely tips and strategies you can learn from us to get you there because that is what we have achieved.

9. I’ve been told that cash flow properties don’t enjoy capital growth. Is this true?
NO! This is probably the second biggest misconception that many property investors buy into and it simply isn’t true! We have purchased six positive cash flow properties with yields of 10-12% over the past 2 years and have also enjoyed capital growth on these properties in excess of 30%.

That said, if you want to create significant wealth by investing in property then capital growth is the way to go. You won’t create significant wealth for yourself by only buying cash flow properties that do not also have a history of growth as well. It is important to balance your property portfolio with positive cash flow and growth properties. By doing this you will extend your borrowing capacity to buy more properties – and you’ll avoid hitting the financial brick wall.

However, Positive Cash flow properties are the oil that lubricates the capital growth engine. By this we mean that for most investors you will quickly run out of borrowing capacity if you embark on a growth only strategy. However if you have positive cashflow properties counter balancing the capital growth properties the banks will generally continue to lend you money because your increased cash flow position decreases their risk in lending to you.

And the best part is positive cashflow properties also give you a passive income to replace your salary so you can quit your job and retire sooner – just like my husband Ed and I have done.

10. I’ve been told it’s no good to buy cash flow positive properties because you miss out on all the tax deductions. Is that true?
While it’s important to ethically and legally minimise your tax, you should never buy a property simply based on tax deductions. Select a property that will help you become financially secur – and achieve financial indendence.

One important point to make is that your tax deductions also depend on the age of your property because your depreciation deductions WILL be lower when you buy an older property. Nevertheless, you may be surprised at how much depreciation can still be claimed on a new property.

In addition to depreciation there are many other tax deductions available to you as a property investor, irrespective of whether you have bought new properties or older ones. You need to discuss these possibilities with your tax adviser or accountant.

11. I take part in chat rooms and read lots about investing. Do I really need to invest in this course?
A number of quite experienced investors have commented that our mentoring techniques have provided a whole new perspective to property investing. Even though they had read and studied widely, they still learnt something new from this program. You may be a successful property investor already and could be overlooking opportunities which will be revealed to you in this program. (Or you could be making mistakes that could eventually came back to bite you).

I think it’s also important to mention that you should always be getting advice from people who have achieved the results you want to achieve – so make sure you verify the results of whoever you get advice from.

12. I know nothing about property investing at all. Is this course going to be too advanced for me?
Not at all. Our “Step by Step” Mentoring Program is easy to follow and understand. You will also learn basic and advanced ideas and strategies to help you build and protect a large property portfolio to replace your income if that’s what you want to do.

13. I don’t have a lot of money to invest. Does it still make sense for me to invest in the course?
Regardless of how much money you have to invest you still need to acquire the necessary knowledge before you invest in property. Investing without knowledge is basically gambling – and we all know the outcome of gambling!

Once you have acquired the appropriate knowledge you may be able to find joint venture equity or borrowing partners who have the money or borrowing capacity but not the time or the skills to seek out lucrative property investment deals. In fact our program is designed to bring you into contact with other like minded property investors who may be looking for joint venture partners as well. After all isn’t it better to have half of something rather than all of nothing?

And the best part is we show you how to do this safely. If you don’t firstly invest in property education before buying investment properties you will learn, but you will learn from your mistakes, which is so very costly. Since you need the knowledge first it makes absolute sense to invest in your education now.

14. Do you offer ongoing support?

Definitely, we have created an ‘All-Star’ Real Wealth Property Investor Support Team. This team which includes myself and my husband Ed is comprised of experienced and successful property investors and we will help you through all the facets of your investing journey.

15. Are cash flow properties hard to find?
Not at all. This is probably one of the biggest misconceptions in the market place and one which costs many potential investors big money in lost opportunities. Positive cash flow properties are NOT hard to find if you know where to look and how to find them. However, some people give up after a few phone calls and when they can’t immediately find a property that meets the cash flow criteria. We have personally purchased six positive cash flow residential properties recently which are returning yields of 10-12%.

16. Is this a get rich quick scheme?
Absolutely not. This is a step-by-step program showing you how to invest in 10 properties in 10 years or less to replace your income. As you can see it’s not get rich quick but it’s certainly an achievable goal for most people. And the best part is you get a ton of support and handholding on the way so that you feel encouraged and motivated to take action. That’s why our success rates are so high with 82% of folks buying 1 property and 52% buying two or more.

17. Will you really give me my money back if I decide this course isn’t for me?
Yes. If after day one of the course you don’t believe that it will allow you to replace your income by investing in 10 properties in 10 years then you can get a full and friendly refund – plus $500 towards any documented travel expenses.

18. A friend of mine lost $200,000 investing in property – isn’t property investing risky?
Only if you don’t know what you’re doing. I wouldn’t mind betting that your friend lost money purely because he or she didn’t bother to invest in getting themselves a property investing education. While of course there are risks in any investment strategy, we believe that investing in residential property is one of the safest options because of the high demand for rental properties due to Australia’s rapid population growth and other driving economic factors.

19. I’ve done other property investing seminars before – why is yours any different?

Among the many differences that our students usually note, our course is…

• Easy to follow, step by step guidance and personal support to minimise your risk of making mistakes
• Run in an informal, relaxed, friendly and supportive environment
• You create your very own unique investment strategy tailored to suit you
• Lots of personal support, guidance and encouragement
• Study with like minded individuals who are on the same path as you
• Not some over hyped weekend seminar where they try to cram your head full of everything you need to know, only leaving you feeling confused and not sure what to do next

We are there to support you once leave the seminar room to ‘look over’ your deals…answer your questions…and give you support and encouragement you need to succeed.

20. Why is negative gearing so bad?
Negative gearing isn’t bad in and of itself- in fact for some it can be a good strategy. But when it’s your only investment strategy, you’re soon going to run out of money. After all, how long can you afford to shell out $1200 – or more – a month on two or three investment properties? With our course, you will learn how to balance your portfolio with both negatively geared high capital growth properties and cash flow positive properties that still enjoy capital growth.

21. I’d love to own ten investment properties or more, but I can’t afford the repayments. How can you help me?
Obviously you’re only thinking of negative gearing. If you want to own 10 or more investment properties you’re going to need a different strategy. Thankfully, we can show you exactly what you need to do and yes, there is a way to buy 10 or more properties without having to shell out $15,000 a month in extra mortgage repayments. In fact as in the previous answer the solution is in buying cashflow properties to balance out your portfolio to a positive or at least cashflow natural position. This way you can actually have your property portfolio fund you – not the other way round!

22. I’ve managed to get six investment properties on my own, but the banks have knocked me back on getting any more finance. Can you help me?
There’s one of two problems going on here:

1. You’re negatively geared to the max. If this is the case, you need to buy some cashflow positive properties to balance out your portfolio.
2. Believe it or not, you may have been knocked back because your mortgage broker doesn’t know enough about serious property investing.

After all, only 5% of the population ever buy an investment property and only 1% of investors ever own 10 or more properties. The truth is most mortgage brokers will never come across a serious investor in their lives.
Relax, this happened to us and we can show you exactly how to overcome this problem.

23. I already own one investment property and I just found out the loan is spread between our family home and the investment property. I’m worried that if things go wrong I’ll not only lose my investment property but our family home as well. Is there anything I can do?
This is a sneaky little trick pulled by the banks and yes, it is designed to snare both – or if there’s more than two properties involved) ALL – your properties if things go wrong.

It’s known as cross collateralisation and yes, you can overcome it and keep your family home and other investment properties safe. We can show you how.

24. Can I invest with others as a group or in a Joint Venture Partnership?
A. Yes. This can be a great way to get started, especially if you don’t have a lot of money or equity. I have done many Joint venture deals and we show our students how to set these up in a safe and easy way.

25. What type of property makes the best investment?
A. No one type of property makes the best investment. The best path for you to take is to develop your own investment strategy based on your personal goals and objectives and then find a property which meets your current investment strategy. This is why we’ll show you how to create your own Personal Investing Strategy that’s right for you.

26. My situation is different – can you advise me on a tailored investment strategy just to suit me?
A. That is exactly what we do- we show you how to create an investment strategy that fits your personal circumstance and helps you meet your goals. Everyone is different and is starting off from a different position and has different goals in mind. You might not want to own 10 or more properties. You might only want to own four properties and that’s enough. Someone else might want to own twenty five or more properties. Obviously the strategies involved will be different in each case.

27. Is it true that investing gets easier as you build up momentum?
Yes. Taking that first step and buying your first investment property and your first year of investing is generally the most difficult part. Once you get started you’ll find it gets easier and easier- especially with our help and support.

Phew – that’s a lot of questions and answers!

Please let me know any questions that I haven’t covered by posting them in the comments box below and I will answer them for you.

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