09 Nov 2023 Podcast: Guest – Mastering Data-Driven Property Investments with PK Gupta
In this episode we’re joined by PK Gupta, a successful property investor who has amassed a diverse portfolio in both residential and commercial real estate, generating an impressive $120,000 in annual passive income.
PK’s mission is to help fellow Australians achieve similar financial success by focusing on data-driven property investments.
PK’s journey from investment banking to property investment is a fascinating one, driven by a desire for better results and more freedom.
He shares insights from his Property Investment Accelerator course, designed to empower individuals with the knowledge and strategies needed to build successful property portfolios.
The episode offers valuable insights into the unique characteristics of Australian capital cities and how they may perform in the future.
It’s a must-listen for investors looking to level up their property portfolios and those considering entering the property market.
Join us as we explore the power of data-driven property investment and the keys to selecting properties for growth and passive income.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at
https://www.everlend.com.au/
There’s plenty more great content to come … so make sure you subscribe now on Apple Podcasts or Spotify so you don’t miss a thing.
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at podcast@everlend.com.au
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest‘s content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
Please find a Podcast summary below with the interview highlights:
Evelyn interviews property investor and educator PK Gupta, diving into his journey, strategies, and advice for property investing in Australia.
Key Points:
- PK’s Background and Transition to Property Investing:
- PK started as an investment banker but found the lifestyle unsustainable.
- He transitioned to property investing for its potential to create passive income and financial freedom.
- He was initially sceptical of property seminars but self-taught himself through data analysis.
- Leverage in Property vs. Stocks:
- PK explains how leverage allows property investors to amplify returns compared to stocks, where leverage options are limited.
- Example: A $50,000 investment in property with leverage yields higher returns than the same amount in stocks without leverage.
- Good Debt vs. Bad Debt:
- PK emphasises understanding “good debt” (used for investments) versus “bad debt” (e.g., credit cards).
- Good debt can pave the way to financial freedom when managed wisely.
- Common Investing Mistakes:
- PK shares his mistake of investing in Cairns based on media hype and speculative headlines.
- He advises avoiding FOMO and making decisions based on sound data rather than trends or hearsay.
- Key Metrics for Property Growth:
- Important indicators include:
- Days on Market: Shorter days indicate higher demand.
- Stock on Market: Lower stock suggests limited supply.
- PK uses over 30 metrics to evaluate suburb potential and cautions against relying on surface-level assumptions (e.g., proximity to CBD).
- Important indicators include:
- Capital Growth vs. Yield:
- Yield (rental income) is essential for holding properties without financial strain, while capital growth builds wealth over time.
- PK recommends aiming for at least 5% yield to ensure sustainability.
- Australian Market Overview:
- Brisbane: Strong potential in 2024, subject to supply-demand dynamics.
- Sydney: Rebounding strongly but faces affordability constraints.
- Melbourne: Sluggish growth due to state policies and weak investor sentiment.
- Adelaide: Recent strong growth but may enter a consolidation phase.
- Perth: Promising due to affordability, population growth, and owner-occupier demand.
- Commercial Property Investing:
- PK discusses his shift towards commercial properties for higher returns and less management burden.
- Commercial investments require understanding tenant businesses and budgeting for potential vacancies.
- Advice for Beginners:
- Diversify knowledge sources before committing to a strategy.
- Consult with professionals like mortgage brokers and accountants to build a realistic plan.
- Prioritise understanding data and metrics to make informed decisions.
- PK’s Resources:
- PK offers free educational content on his podcast, YouTube channel, and Facebook group, “Australian Property Mastery with PK.”
- He encourages DIY property investing, empowering people to make data-driven decisions.
Closing Thoughts:
Evelyn and PK emphasise the importance of taking action on knowledge and trusting data over assumptions. PK inspires listeners to approach property investing methodically, leveraging both data and professional advice for success.