Thanks Terry.

Does it have to be “major capital improvement” to reset the new cost base after the subdivision?
I still don’t have a clear understanding what major capital improvement means even after speaking to my
accountant and he just refers me to that ATO link.

Thanks,
FXD

Hi Corey,

Is it much more difficult to grow equity in or release equity from commercial or both?

I am very new to commercial, ie started tracking the market actively for 2+ years only but did
notice many deals have been transacted at very low yield and/or strong growth compared to the last
transacted price for the same properties.

Thanks,
FXD

Hi Terry,
Will I be right to assume if all 3 trusts (in OP’s example) take out lease doc loans, then there will not
be personal guarantees required by lenders?

Thanks,
FXD

Hi Terry,
Will I be right to assume if all 3 trusts (in OP’s example) take out lease doc loans, then there will not
be personal guarantees required from lenders?

Thanks,
FXD

I happened to speak to my broker today about using positive cashflow from commercial deal to improve
future servicing.

Not sure if what he said was due to recent tightening or what, but I was told even for commercial
lenders they also stress testing an investor’s all other existing borrowings, including resi and
commercial to arrive at new…[Read more]

Hi Corey,

Just out of curiosity about the deal you mentioned above.

Did the borrowing, purchase and cashflow achieve an improved servicing overall for your client so that
he/she can continue investing more easily in the future?

Thanks,
FXD

Thanks for the refresher post Corey.

Cheers,
FXD

Thanks Corey and above statement is so very true especially when the deposit/equity is coming from
resi IP and/or PPOR.

Personally I have not been successful due to existing servicing and no lender is willing to factor in
the future/projected commercial cashflow to service equity draw and some are outright against using
resi equity for…[Read more]

Thanks guys.

Pardon me for not clarifying my question right at the start.

I only intend to focus on commercial IP going forward and therefore the servicing improvement question
is solely intended for continuing and/or growing more commercial IP using commercial IP cashflow.

Rgds,
FXD

Thanks guys.

Pardon me for not clarifying my question right at the start.

I only intend to focus on commercial IP going forward and therefore the servicing improvement question
is solely intended for continuing and/or growing more commercial IP.

Rgds,
FXD

Thanks guys.

Pardon me for not clarifying my question further.

I only intend to focus on commercial IP going forward and therefore the servicing improvement question
is solely intended for continuing and/or growing more commercial IP.

Rgds,
FXD

I recently had a phone session with one of their rep and following the chat I received an SMS
message with direct deposit payment instructions.

While I was happy to sign up I responded asking specifically to have a soft/digital copy of invoice
emailed to me so I can attend to payment and more importantly I have something in writing in email…[Read more]

I recently had a phone session with one of their rep and following the chat I received an SMS
message with direct deposit payment instructions.

While I was happy to sign up I responded asking specifically to have a software/digital copy of invoice
emailed to me so I can attend to payment and more importantly I have something in writing in email…[Read more]

Hi VernS and anyone else who has done JD course,

I am also interested to find out more about JD training after watching his free intro webinar.

I saw in the video he was showing some of his students buying properties in regional areas and also
some smaller strata smaller than 100 sqm.

As I am still learning the rope on CP, are those the only…[Read more]

Hi VernS and anyone else who has done JD course,

I am also interested to find out more about JD training after watching on free intro webinar.

I have in the video he was showing some of his students buying properties in regional areas and also
some smaller strata smaller than 100 sqm.

As I am still learning the rope on CP, are those the only…[Read more]

Terry,
I am referring to your previous comment on registering a legal mortgage does not make that an asset
protection. Or have I misunderstood what you said?

Thanks,
FXD