AJ's an IT professional with a young family.
His long-term goal is a waterfront home in QLD and enough wealth to step away from work and spend more time with his wife and daughter.
Build a multi-property portfolio that creates long-term wealth, generates passive income, and fast-tracks early retirement.
Target outcome: $300k p.a. in passive income.
AJ wanted a clear strategy, the right locations, and confidence that each purchase aligned with his long-term goals.
He engaged us to build his portfolio plan, source the right properties, run the due diligence, and negotiate each deal.
When AJ came to us, the goal was clear: build a portfolio that gives him options. Long-term wealth, passive income, and the freedom to buy their dream waterfront property.
To do that, we started with the end point - not the first property.
Hitting $300k in passive income means holding around $5m in net assets. Once we mapped that out, the rest was a matter of sequencing the right moves in the right markets.
Every property we buy with a client has to pull these three levers:
Growth – strong, tight markets that reliably appreciate.
Yield – assets that have balanced rental income and keep the portfolio scalable.
Optionality – properties with built-in upside: granny flats, subdivision, development, renovation, etc.
While AJ is young, earning well, and comfortable taking on calculated risk, the priority is building the base.
We follow a simple loop:
Growth → Equity → Refinance → Next deposit.
It's how we turn one property into four without relying on savings alone.
Each asset was chosen because it added something different: equity acceleration, future yield, diversification, or development upside.
At the right time, certain assets - especially the ones with development potential - become liquidity events.
That lets us retire debt across the rest of the portfolio and lift net passive income.
This shift from "growth mode" to "income mode" is what ultimately gets AJ to $300k p.a.
Different markets move at different times. NSW, SA, QLD and VIC each carry their own economic engines, rental dynamics, and growth cycles.
By spreading the portfolio across them, AJ isn't tied to the performance of a single market.
It creates stability - and it creates opportunity.
AJ now has four assets that each play a different role:
Together, they give him growth now and income later.
A high-growth, gentrifying market with broad appeal from owner occupiers, renters and investors.
This property is granny flat eligible, which will turn it into a dual occupancy with 2x revenue streams - upgrading our 4.3% yield to 6.5%.
We'll be using the equity in this property to fund the construction of the granny flat.
Provides strong early equity uplift and cashflow to help fund the next purchase.
A tightly held coastal market with long-term development potential.
Lends itself well to townhouse development - allowing for significant equity uplift and a path to consolidation.
This property introduces optionality and becomes a key lever in AJ's long-term plan.
A growth corridor supported by strong migration and increasing demand from families and professionals.
A set-and-forget asset in a high-demand location with long-term headroom.
A high-pressure market experiencing rapid price growth and strong rental demand.
A budget-friendly, metro-adjacent asset that added both diversification and yield.
AJ's portfolio now spans four states, mixes growth and yield, and includes development potential - all working together to move him towards his $300k passive income goal.
If AJ doesn't buy another property, his portfolio will be worth $5.7m in 7 years (assuming a 7% growth rate).
He's four years in.
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