In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, welcome Nafiz Chowdhury, a savvy investor whose strategic foresight has helped him build an impressive portfolio of five properties.

Growing up in a working class Bangladeshi family in south-west Sydney, Nafiz was inspired by his parents’ hard work and aimed to create a better financial future. At 32, he now owns five properties, showcasing his strategic approach to property investment.

Initially managing his investments, Nafiz soon recognised the value of professional advice from buyer’s agents, mortgage brokers, and accountants.

His portfolio spans multiple Australian states, resulting in over $1 million in cumulative equity gains. With the support of his knowledgeable wife, they actively manage their investments together.

Nafiz credits his financial security to disciplined strategy and professional guidance, which also helped ease his financial anxieties.

Despite global economic uncertainties, Nafiz maintains a growth mindset and remains committed to his plan, exemplifying how informed decisions and expert help can lead to significant financial success.

Nafiz builds over $1m equity with strategic property moves

	
In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, sit down with Tuan Duong from Duo Tax Quantity Surveyors to unpack the often overlooked power of depreciation in property investment.

The episode starts by unpacking depreciation and how it allows investors to claim tax deductions on the wear and tear of buildings and fixtures, boosting cash flow without out-of-pocket costs.

Since 2017, rules have tightened for second-hand residential properties, but commercial properties still allow broader depreciation claims, making them attractive for positive cash flow.

To access these benefits, investors need a depreciation schedule prepared by a qualified quantity surveyor, especially after renovations, which can unlock even more deductions through scrapping.

Tuan also debunks the myth that older properties don’t qualify, noting that renovations can revive depreciation potential. However, investors should be aware that claiming depreciation affects capital gains tax calculations upon sale.

The co-hosts believe investors should stay educated, as mastering depreciation can significantly strengthen portfolios and long-term returns.

How depreciation supercharges property investment

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, explore what it takes to build a successful property investment strategy.

They begin by clarifying that strategy is not just about achieving outcomes like positive cash flow, but about creating a structured plan that aligns with long-term goals.

The trio highlights the importance of viewing strategy as a holistic framework that includes financial planning, risk assessment, and goal setting.

Jack focuses on the role of finance, stressing that responsible borrowing and aligning financial and accounting strategies are key to scaling a portfolio. He also warns against common financial pitfalls, such as unnecessary debt, which can restrict borrowing power.

The episode outlines how a comprehensive strategy integrates elements like lending, cash flow management, and risk mitigation to guide smart property decisions.

Additionally, the co-hosts emphasise the value of knowing when not to buy, especially during periods of uncertainty or financial instability.

Why a solid strategy is more than just positive cash flow

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by economist Cameron Kusher to explore the complex issues affecting Australia’s housing supply.

Cameron highlights the significant shortfall in meeting the government’s target of 1.2 million homes, citing high construction costs, elevated interest rates, and misaligned migration and housing policies.

He notes that weak consumer sentiment, builder shortages, and pre-sale hurdles are stalling new housing supply, though modest interest rate cuts may offer limited relief.

Cameron suggests focusing on indicators such as housing stock levels, price adjustments, buyer inquiries, and time on market to understand property trends better.

He also predicts that artificial intelligence will significantly disrupt the real estate industry, reshaping how consumers search, transact, and engage with property platforms.

Rates, migration, and supply crunch fuel housing crisis

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by John Collignon from C2 Financial Group to unpack the potential legislative changes impacting SMSFs.

The group examines the Labor government’s proposed Division 296 tax, which targets super balances exceeding $3 million and has sparked controversy for taxing unrealised gains and adding complexity to fund management.

With the Senate's support still uncertain, political hurdles remain, as other parties may demand stricter measures such as lowering the threshold or banning SMSF borrowing.

These changes could deter smaller investors, reducing rental housing supply and concentrating super control in larger funds.

Despite misconceptions, SMSFs are now more accessible, thanks to lower fees and flexible strategies, making them suitable for informed investors who understand their responsibilities and seek professional guidance.

With expert support from firms like C2 Financial Group, SMSFs remain a viable option for Australians seeking control over their retirement savings despite evolving regulations.

How Labor’s super tax plan could reshape SMSF landscape

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, unpack the often-overlooked world of Lenders Mortgage Insurance (LMI) – and the surprising ways investors can avoid it altogether.

The trio demystifies LMI, typically required when buyers have less than a 20 per cent deposit, and reveals how select professions can borrow up to 95 per cent of a property’s value without paying a cent in LMI. From doctors and lawyers to pilots, train drivers, and even media personalities, a wide range of Australians could be eligible for these little-known waivers, potentially saving $12,000 to $20,000 on a $600,000 purchase.

But the conversation goes deeper. Adrian breaks down the opportunity cost of waiting to save a full deposit, showing how a two-year delay could cost investors $60,000 in capital growth. Instead, entering the market earlier, even with LMI, can fast-track wealth creation.

The episode also explores government-backed schemes for first home buyers, single parents, and guarantor loans that allow borrowers to access up to 107 per cent of the purchase price, covering costs like stamp duty and buyer’s agent fees.

Rounding out the episode is a discussion on trust structures, how they can preserve borrowing power, and create tax efficiencies for serious investors.

With expert guidance, strategic financing, and a clear understanding of LMI, Australian property buyers can sidestep unnecessary costs and accelerate their portfolio growth.

How an LMI waiver could save investors $20k and wipe years off their investment journey

In this episode of The Property Nerds, chief economist at Ray White, Nerida Conisbee, returns for her third appearance, diving into the power of data, infrastructure insights, and interest rate trends shaping Australia’s property market.

Speaking with hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, Nerida lifts the lid on how Ray White uses its vast network of auction, residential, commercial, and lending data into powerful market intelligence – giving agents and investors a competitive edge in real time. She explains how her transition from REA Group to Ray White opened up new opportunities to interpret on-the-ground trends, such as buyer sentiment and pricing movement, before they show up in traditional reports.

Nerida unpacks how access to granular data has led to new insights and revenue streams, and why AI is turbocharging suburb-level analysis.

She also breaks down recent movements in interest rate sentiment, noting how market momentum picked up in early 2025 off the back of expected rate cuts – and what this means for investor timing and opportunity.

From the strength of Adelaide, Brisbane and Perth, to the true influence of infrastructure projects on property prices, this episode is packed with practical takeaways, including how investors can filter the noise, read the signals, and understand the timing and type of infrastructure that drives value.

How data can decode market shifts and investor opportunities

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, pull back the curtain on self-managed super fund (SMSF) lending – and how it can be a game changer for investors looking to expand their portfolios.

While most investors focus on personal income when calculating borrowing power, Jack explains how mandatory super contributions can service property loans inside an SMSF – without touching your personal finances. That separation can unlock up to $1 million in borrowing capacity.

The trio explores how SMSF lending works, the mechanics of what banks consider for approval, and why it’s becoming increasingly attractive in a tighter borrowing environment. With your employer’s 11–12 per cent contributions working in the background, investors can grow their portfolios without sacrificing personal serviceability.

They also break down who SMSF lending is right for, the contribution strategies that can supercharge your capacity, and why having the right broker – especially in a space dominated by non-major lenders – is critical.

How using your super could unlock $1m in borrowing power

	
In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, sit down with Michael Thomas to explore his journey from mental health struggles to building a $20 million property portfolio.

Michael shares how flipping phones and succeeding in car sales sparked his entrepreneurial drive and set him on the path to financial freedom.

The trio dives into Michael’s practical investment strategy, including why he partners with buyer’s agents and trusts experts rather than trying to do it all himself.

They also discuss the difference between material wealth and lasting fulfilment, with Michael revealing why mentoring and living by his values matter more than Lamborghinis and Ferraris.

Michael opens up about how his property goals evolved – from owning a home outright to building a passive income portfolio that supports his lifestyle, with a strategic shift towards commercial property.

From zero passion to millionaire investor – Michael’s unconventional path

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by Avi Khan, principal at Ray White AKG, to unpack the Brisbane property market.

The Brisbane property market is undergoing a major shift, with auctions becoming a preferred method of sale due to their transparency and competitiveness.

Once a last resort, auctions are now booming in Brisbane as buyers from Sydney and Melbourne drive demand.

Tight housing supply has intensified competition, driving surprising auction results and record prices, while many owners hold properties, confident in future growth from infrastructure and the Olympics.

Success in today’s market requires buyers to be prepared with finance, written offers, and decisiveness, while investors must focus on timing sales and presenting properties to appeal broadly.

The co-hosts’ analysis concludes with Brisbane’s traditional seasonal selling patterns fading, as demand continues year-round, reshaping how buyers and sellers approach the market.

Tight stock, big prices: Inside Brisbane’s booming market

Meet Arjun, Adrian & Jack… The Property Nerds

Welcome to The Property Nerds Podcast, where real estate meets research, and data drives decisions.

Join Arjun Paliwal, Head of Research and Director at InvestorKit, and Jack Fouracre, Partnership Manager at Fouracre Financial, and Adrian, Senior Portfolio Strategist at InvestorKit as they dive deep into Australia’s property market. From market trends to finance tips, Arjun, Jack and Adrian deliver the insights you need to build and grow a profitable property portfolio,  backed by data, not hype.

Whether you're a seasoned investor or just getting started, this is your go to podcast for smart, strategic property investing.

How using your super could unlock $1m in borrowing power

The Property Nerds

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