19 hours ago

Gary Lin

Here's a story about Rob.

Rob is a lawyer in his early 30s, working for a Big 4 lawyers firm, in downtown Auckland.

Rob has no kids, yet, and his partner works as a school teacher in Pukekohe.

Rob is going places, he said.

But from his tune of voice, I can sense he wasn't totally honest to himself.

He works hard, and his firm makes sure of that.

He's used to the pressure, the stress, the long hours, Rob said.

What bugs Rob is the commute to work every day from Pukekohe.

The train takes Rob to get to work 1 and 1/2 hours EACH WAY...

That's 3 hours PER day!

Did Rob include the walking and waiting time? Maybe yes...maybe not...

So that's 3 x 5 = 15 hours per week, on the train.

15 x 48 = 720 hours per year, on the train.

7,200 hours every decade, on the train.

If Rob works till he's 65 in the same place, a place that's "going places"...

Rob will spend more than 21,600+ hours on the train, for the next 30+ years.

Now I don't want to use the word 'waste' on those 21,600+ hours that Rob is likely to spend on the train.

Unless Rob does something about it.

What does Rob do on the train you might ask?

Perhaps doing his work, working smarter?

Perhaps read a book, non-friction to escape reality?

Read a personal development book?

Read a book about real estate?

If you were in Rob's shoes, what will you be doing? on the train...

Now Rob's got another dilemma on the not so distant horizon.

Rob's partner is turning the big 3 next year.

Their friends are in similar age as Rob. They are now starting to talk about kids...

All this time Rob has been thinking about investing in property.

In fact property investing has been on Rob's mind for 3 years...

Rob and his partner have enough equity to start 3 years ago...

3 years that's 2,160 hours on the train...

How many of those 2,160 hours do you think Rob has been thinking about investing?

How many hours outside of those 2,160 hours has Rob been procrastinating?

Auckland house prices double every 7 to 8 years. Invercargill house prices double every 20 years. Other parts of NZ double between that.

How many years of opportunity do you think Rob will procrastinate, and 'miss the boat'?

When the kids come to your life, will it be easier or harder for Rob to start investing in property?

If you are having a coffee with Rob today, what will you be telling Rob?

Will you tell him to stop procrastinate?

Will you tell Rob to start now.

Start today.

Take action now.

Does Rob remind you of someone you see in the mirror in the morning and night every day?

If that's a big yes, then click the link below, watch a short video on how I can help you, and book a strategy session.
Pages.garylin.co/free-case-study
... See MoreSee Less

Heres a story about Rob.Rob is a lawyer in his early 30s, working for a Big 4 lawyers firm, in downtown Auckland.Rob has no kids, yet, and his partner works as a school teacher in Pukekohe.Rob is going places, he said.But from his tune of voice, I can sense he wasnt totally honest to himself.He works hard, and his firm makes sure of that.Hes used to the pressure, the stress, the long hours, Rob said.What bugs Rob is the commute to work every day from Pukekohe.The train takes Rob to get to work 1 and 1/2 hours EACH WAY...Thats 3 hours PER day!Did Rob include the walking and waiting time? Maybe yes...maybe not...So thats 3 x 5 = 15 hours per week, on the train.15 x 48 = 720 hours per year, on the train.7,200 hours every decade, on the train.If Rob works till hes 65 in the same place, a place thats going places...Rob will spend more than 21,600+ hours on the train, for the next 30+ years.Now I dont want to use the word waste on those 21,600+ hours that Rob is likely to spend on the train.Unless Rob does something about it.What does Rob do on the train you might ask?Perhaps doing his work, working smarter?Perhaps read a book, non-friction to escape reality?Read a personal development book?Read a book about real estate?If you were in Robs shoes, what will you be doing? on the train...Now Robs got another dilemma on the not so distant horizon.Robs partner is turning the big 3 next year.Their friends are in similar age as Rob. They are now starting to talk about kids...All this time Rob has been thinking about investing in property.In fact property investing has been on Robs mind for 3 years...Rob and his partner have enough equity to start 3  years ago...3 years thats 2,160 hours on the train...How many of those 2,160 hours do you think Rob has been thinking about investing?How many hours outside of those 2,160 hours has Rob been procrastinating?Auckland house prices double every 7 to 8 years. Invercargill house prices double every 20 years. Other parts of NZ double between that.How many years of opportunity do you think Rob will procrastinate, and miss the boat?When the kids come to your life, will it be easier or harder for Rob to start investing in property?If you are having a coffee with Rob today, what will you be telling Rob?Will you tell him to stop procrastinate?Will you tell Rob to start now.Start today.Take action now.Does Rob remind you of someone you see in the mirror in the morning and night every day?If thats a big yes, then click the link below, watch a short video on how I can help you, and book a strategy session.
Pages.garylin.co/free-case-study

 

Comment on Facebook

Change jobs to a local firm, there are plenty of great legal businesses in Manukau. Sometimes work and commuting can leave a person so drained there's no mental energy left for investment.

I would rent out the pukekohe place and buy closer to work to improve your lifestyle. Then as Jimmy Ho says you’ll have more mental energy to take on property investment fully.

Interest rate won't stay for long that low. The financial system future Is not clear instead of Rob I will start a business and find a passion in life instead like you are saying waste the time on traffic and live 2 hours drive from work

I would not live in pukekohe. Rent some where closer!

Use the time on the train to explore other options. Maybe starting his own business so he doesn't have to commute...negotiate working from home, forming abranch office. As well as how to invest his money so he has more choice for himself and his family

Ha Ha Gary - I agree with the principle, but by procrastinating 2-3yrs Rob escaped the top of the market and saved losing 10-15% equity loss?!! But totally agree with not having long commutes, he’d be better renting in town and walking to work for free and keep house as a rental. Also Puke isn’t Alk, it’s like investing in Warkworth or the Tron.

Start law business where he lives and start investing later if he really likes investing or do something that he enjoys!

Start using some of the equity in the home to start his own firm in pukekohe, if he really works that hard he can work for himself in years time, using the hours traveled, in the mean time, reading up on how to start a law firm and a business on his own via free resources and counseling available online.

Thats painful, so much hours in commute

You're a sexy man ❤️

Someone's about to get TOLD

+ View more comments

1 day ago

Gary Lin

Max is preapproved and ready to buy AGAIN! 👍🏽👍🏽👍🏽

Gary Lin
Max purchased the Hamilton property for $305k two months ago. $50k under market value.

Settled this month, and now rented out for $420/wk.

That is just under 7% gross yield!!!

Amazing Max!

Also thank you QRM - Quality Rental Management for finding good tenants!
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3 days ago

Gary Lin

Two way to beat procrastination ... See MoreSee Less

 

Comment on Facebook

Love it Gary! Glad to see you don’t procrastinate anymore!

agreed, I do it too

yo Gary!

6 days ago

Gary Lin

Cool gift idea for real estate agents to give to their buyer.
Give them a pair of golden scissors to cut the ribbon before they open the door to their new home!!

#aucklandrealestate #aucklandproperty #nzproperty #nzrealestate #propertyinvestmentnz
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Cool gift idea for real estate agents to give to their buyer.
Give them a pair of golden scissors to cut the ribbon before they open the door to their new home!!#aucklandrealestate #aucklandproperty #nzproperty #nzrealestate #propertyinvestmentnz

 

Comment on Facebook

You wouldn’t want to see my gift wrapping 😜

We got an expired $30 hammer hardware voucher 😂👍

Better if ribbon’s in the garage on a car!😂

I have some red ribbons to go on doors.

Yeh this is awesome!

🔥🔥🔥 you should be selling Gary 😂

+ View more comments

6 days ago

Gary Lin

A cool idea to give to your buyer if you are a real estate agent ... See MoreSee Less

 

Comment on Facebook

Karin Blaauw

7 days ago

Gary Lin

How to talk to real estate agents at open homes ... See MoreSee Less

 

Comment on Facebook

In summary be nice to agents just like you are with anyone you buy stuff through... like Bunnings, your florist or Uber - we are human beings just like the rest of you!

Spot on!

Way XI

1 week ago

Gary Lin

Here's a simple 5 second way to find out if a suburb or street is bad and avoid. ... See MoreSee Less

Heres a simple 5 second way to find out if a suburb or street is bad and avoid.

 

Comment on Facebook

Good ole google

haha there's never hiding from Google

But a lot of the top areas in Auckland have higher crime rates because of thefts, break Ins etc. Hobsonville Point is a prime example. Police and helicopter flying over every day

Lol. What about those areas in Auckland that are losing equity? Did you forsee that?

good example of using big data efficiently

Just ask me 😂

+ View more comments

1 week ago

Gary Lin

There is a big misconception that money in China is Cheap, that you can borrow 1% mortgage.

No it's more like 4.5%(www.yinhang123.net/yhll/gexinglilv/36722.html)

However, cross the ocean in Taiwan...it's 1%...
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There is a big misconception that money in China is Cheap, that you can borrow 1% mortgage.No its more like 4.5%(https://www.yinhang123.net/yhll/gexinglilv/36722.html)However, cross the ocean in Taiwan...its 1%...

 

Comment on Facebook

U need to take the fx rate conversion into consideration- IPP

Don't you need some form of tw residency to get the loan there?

sign me up .... name Carn gowong

US is also cheaper than NZ which I was aware of when I started back in 02. But it's near impossible as an NZ citizen to get a loan from a US bank for an NZ property.

Can I have some 1% bank lending? Please

+ View more comments

2 weeks ago

Gary Lin

How to afford avocardo on toast and property at the same time?

Also it is important to maintain your property and do preventative maintenance early (just like your euro car).
... See MoreSee Less

2 weeks ago

Gary Lin

Doing some preventative maintenance on one of my rental properties.

Given the price of avocados, a small portion of harvest more than pays for the small repair 🤣🤣🤣

#aucklandrealestate
#aucklandproperty
#nzproperty
#nzrealestate
#propertyinvestmentnz @ West Auckland
... See MoreSee Less

 

Comment on Facebook

Drop some in bro when you come for your free grooms 🙏

I’ll easily take some avocados of you

it may pay for your mortgage even faster bro 🤗

Sharing is caring, just saying. 😂

2 weeks ago

Gary Lin

Are you scared to take the next step in your property investment journey?

Are you scared of taking the plunge?

In the last 10 years of investing, I have come across many many investors that have:
- procrastinated
- scared
- wondered if it was the right time to buy (at 2010)
- worried that interest rates will go to 7%+ (keep waiting haha!)
- worried what the best strategy is
- worried about what the market will do next

Most common problem with these investors, is that they don't have a crystal clear property investment strategy.

If you need that clarity, need that little push to get you to take the next step, watch my free case study by clicking the link below:
pages.garylin.co/free-case-study
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2 weeks ago

Gary Lin

OCR dropped, interest rate dropped.

Term deposit rates also dropped.

What does that mean short term, and long term to your wealth and retirement?
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Comment on Facebook

Karn Hall watch this. Good points Gary Lin although as funny as it sounds interest rates can actually go up during an economic crisis or recession due to a few reasons. Risk premiums, credit tightening, interbank lending rates spiking etc

"You don't want the world to force you to realise the situation you are in. You want to have control and the only way to have control is to have wealth" I agree with the above statement whole-heartedly Gary, but it seems like so many people are unwilling to invest in themselves to give them the control that they need. Why do you think thats the case?

G you make a great point, also take thousands and thousands of people with lower ROI on savings- $2,000 multiplied by many people is a lot less free cash flow in the economy. This is a double edged sword. They are doing it not because they want to- they have to do it, it’s a one trick pony and soon when they realize that they need to drop rates again they will be scratching their head on why their business unfriendly environment hasn’t helped employees- because they will be unemployed. If you try to focus on the employee rights more than the employer (who carries all the risk) at some stage the employer decides it’s not worth it and closes up. I’ve seen this happen in cycles in NZ since the 80s when NZ was bankrupt by socialist policies.

2 weeks ago

Gary Lin

Reserve Bank of NZ has dropped Official Cashrate to 1.5% (from 1.75%).

What does that mean to property investors and home owners?
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2 weeks ago

Gary Lin

If you are in the consulting or coaching space, and wanting to grow and scale.

Working with James Kemp is your best bet to take your business to the next level!

James Kemp
On today's Client Interview I speak to Property Mentor Gary Lin.

Gary has built up a $10m property portfolio and now helps others build theres.

In this interview you will learn:
- Why Computer games motivated Gary into property
- Why he got burnt out with a 1-to-1 coaching model
- How he gets his clients better results by spending LESS time with them.

There's nuggets in here for anyone who wants to build a profitable and meaningful business with skills they already posses.
... See MoreSee Less

 

Comment on Facebook

Matthew Wilson

3 weeks ago

Gary Lin

You should sell your investment property at some point?

Not sell.

Upgrade.
... See MoreSee Less

3 weeks ago

Gary Lin

Property investing strategy.

What your property investment strategy should look like.
... See MoreSee Less

 

Comment on Facebook

Awesome tips Gary Lin, great work! Love the goal setting analogy 👏🏼

Are you buying in Qtown? Haha

3 weeks ago

Gary Lin

Getting the consent process started with Morrison’s development in Manukau

Purchase price $790k
Development cost $250k
New rent $1500+ a week
Gross yield 7%
Equity gain $400k+

Btw look at this view from the property!
... See MoreSee Less

 

Comment on Facebook

I think I saw you in Queenstown Gary!

Thanks for sharing Gary. How does equity gain calculated, have you sold the property ?

Nice , hope I could do this .

4 weeks ago

Gary Lin

Two reasons why inequality between rich and poor is inevitable, and what you can do about it. ... See MoreSee Less

 

Comment on Facebook

Awesome! Great advice Gary... 😉

Brilliant video

Awesome Gary 👍🏻

You do as you say Gary. Good on you. Modelling a Uniqlo jumper there. I have the dark blue one. 🙂

so good bro

+ View more comments

4 weeks ago

Gary Lin

Good job Chloe! ... See MoreSee Less

1 month ago

Gary Lin

This is my bored face, after 60 min listening to the student, architect, and builder debating whether to turn the laundry into another bedroom or bathroom (for the South Auckland 8% development project)...🤣🤣🤣 ... See MoreSee Less

This is my bored face, after 60 min listening to the student, architect, and builder debating whether to turn the laundry into another bedroom or bathroom (for the South Auckland 8% development project)...🤣🤣🤣

 

Comment on Facebook

Reminds me of..

That's your experience kicking in..and they don't want to listen to you 😀

Handsome Devil ♥️

You should have stepped in.....

Convert into 3rd bedroom. Gary you are good in what you do.

I converted a bathroom cum laundry into the 3rd bdrm and moved the laundry into the kitchen and extended the toilet into shower/toilet. Increased rental by $160/week.

Simple, listen to the builder, then make the decision based on your own knowledge of investment. The architect draws pictures and the student is only there to learn.

Bedroom will be easier, bathroom will be up to consent

Yes convert it lol

Maybe consult a property manager who knows what clients/tenants seek in the area. 🤪

+ View more comments

1 month ago

Gary Lin

Two important lessons can we learn from two balls (sandstone rocks) in property. ... See MoreSee Less

 

Comment on Facebook

Correct inspired

Well said 💪👌

Exactly all the planning in the world by the smartest people means nothing without execution!

🙈🤟🏾

1 month ago

Gary Lin

Happy Easter!
#aucklandrealestate
#nzproperty
#propertyinvestmentnz
#nzrealestate
#aucklandproperty
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Happy Easter!
#aucklandrealestate
#nzproperty
#propertyinvestmentnz
#nzrealestate
#aucklandproperty

 

Comment on Facebook

Happy Easter, Beautiful Family 🙂

1 month ago

Gary Lin

Would you like to live and travel around the world like this lady, before turning 60?

Better start investing in property early! Now would be a good time!
... See MoreSee Less

Would you like to live and travel around the world like this lady, before turning 60?Better start investing in property early! Now would be a good time!Image attachment

 

Comment on Facebook

Great convos Gary that lady is living her best life right now.

Absolutely yes. Even can do that at the 40 that would be dream come true 🙂

Wonder what the Glenfield properties looks like ... must at least worth 800k each now lol

What if Sydney or Melbourne happens in Auckland

1 month ago

Gary Lin

Which priority box is your property investment in?Urgent + Important = Do it NOW! ... See MoreSee Less

Which priority box is your property investment in?

 

Comment on Facebook

Plan it

I listen to a lot of Patricks stuff

Awesome Gary! 👌

1 month ago

Gary Lin

No Capital Gains Tax.

Not right now. Winston put a stop to it.

But investors aren't out of the woods yet.
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Comment on Facebook

Love your videos man, well said.

1 month ago

Gary Lin

Sydney population went from 4mil in 2011 to 5.6mil+ today.

It will reach 7mil by 2024 in no time!!!

Melbourne went from 3.8mil to 5mil in 7 years

This is how Australia will solve their economy woes...

Australia's annual migration rate soars to new record high of 844,800
The Australian Bureau of Statistics released new immigration figures on Thursday, hours after Prime Minister Scott Morrison called an election for May 18.
... See MoreSee Less

 

Comment on Facebook

How?

1 month ago

Gary Lin

What can we learn from Tiger Woods, one of if not the greatest golfer of all time. ... See MoreSee Less

1 month ago

Gary Lin

Here's a Case Study of a small development project in Manukau Heights, Auckland, by my student Morrison.

Morrison joined my development blueprint coaching just a month ago.

Morrison works as a doctor in emergency hospital in South Auckland.

He made the small mistake of buying his first home in a CBD apartment.

But his biggest mistake was purchasing a 4 bedroom Mt Wellington terrace house off the plan in 2015. This property probably cost him to lose over $150,000 if he sells today.

Anyways, within a month under my guidance, he's able to buy this property behind me on a million dollar street in desirable Manukau Heights for $790k.

Over the next 7-8 months Morrison will get building consent to convert this house into 3 legal separate dwellings.

Consents and conversion cost will be about $250,000.

Total rent after conversion is estimated to be about $1550 per week.

This gives the gross rental return of 7.2%! Cash flow positive!

At 5% capitalisation rate, the finished project will be worth $1.55 million dollars! That's a projected equity gain of $500,000!

Morrison will be able to top up or refinance to get his deposit AND conversion costs back, 100% financed and No Money Down!

Congratulations Morrison!

Book a Strategy Call today!
... See MoreSee Less

 

Comment on Facebook

Ammon Acarapi

Andrew Martin

Question, how long will the conversion take? Because my bathroom consent took 4 months alone from start to finish. .

1 month ago

Gary Lin

Max purchased the Hamilton property for $305k two months ago. $50k under market value.

Settled this month, and now rented out for $420/wk.

That is just under 7% gross yield!!!

Amazing Max!

Also thank you QRM - Quality Rental Management for finding good tenants!
... See MoreSee Less

1 month ago

Gary Lin

As property investors, we all want financial freedom and time freedom, stop trading time for money, and a secure retirement.

but does freedom bring happiness?

For me, I have the freedom, but when comes to happiness, it's complicated.

Let's go back 13 years ago, I was in pain.

I was fresh out of uni for few years, paid off my student loan thanks to Auntie Helen for interest free student loans.

But I hated the 9 to 5 life style. Plus I was not passionate about the civil engineering career I stumbled into either.

What I was passionate about was computer games after work. But I soon realised that addiction turned into a second job.

Computer games were merely an escape to the depression I had, of not passionate about my career, and I didn't have any long term goals. I lacked purpose at that point in life.

The turning point was when I read the book Rich Dad Poor Dad.

Rich Dad gave me purpose. Getting out of the rat race became my passion and obsession, and this fire continues inside me today.

I quit gaming, devoted all my spare time to learning about property investing.

I thought getting out of the rat race was the ticket to eternal freedom and happiness.

Fast forward 13 years, I have financial freedom, I'm in a position to cash up some of my gains in my properties and put my feet up. I have enough passive income that I stopped worries about my mortgage payments many years ago.

I have also got time freedom, leaving my civil engineering career behind.

But at times I was not happy, not 100% of the time.

The times that I got enjoyment from YouTube, movies, hanging out with friends bought short term fun and happiness.

But deep down something was bothering me.

I started to wonder what really happiness means.

It took many trips to Tony Robbins events, talking to people wiser than I am.

I finally figured it out for myself.

Happiness, for me is, first of all, Gratitude.

I'm thankful for the things I have and the achievement I have all these years.

But I'm mostly grateful for a loving wife, two beautiful daughters, and a big loving supporting family that are in harmony together.

The second is fulfilment.

Fulfillment to me was happiness, not freedom.

I realised no matter how much free time I have, if I don't enjoy the time I spent, I feel unhappy, sad, and sometimes depressed.

Now my life and business is all about fulfilment, doing what I enjoy, do my best to help more people out of their rat race.

What makes you fulfilled? Work that out well before you get to freedom.
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Comment on Facebook

Sounds very familiar. Loneliness is another emotion that you dont expect, particularly when making your own path and leaving behind the social security of a 'job'

awesome, love ya work bro👊

That was real. Nice post.

1 month ago

Gary Lin

My top go to add value strategies in property, as featured in the April 2019 issue of NZ Property Investor Magazine:
1) adding bedroom
2) adding / converting dwellings
... See MoreSee Less

My top go to add value strategies in property, as featured in the April 2019 issue of NZ Property Investor Magazine:
1) adding bedroom
2) adding / converting dwellingsImage attachmentImage attachment

 

Comment on Facebook

Hi Gary, which is better - 3 bedrooms with a double garage or 4 bedrooms with a single garage? And why?

2 months ago

Gary Lin

Capital Gains Tax debate is reignited again! ... See MoreSee Less

Capital Gains Tax debate is reignited again!

 

Comment on Facebook

😍 too much logic for the left.

so true

A lot of truth in this.

I disagree with all but one. 1. Most of the poor just want shelter and a meal. Welfare doesn’t make them prosperous. 2. I agree with this one. Capital gains are all about receiving without working. 3. Security, freedom, respect and equality are all things that can be given without cost. 4. Please explain how tax divides wealth, it just lessens the increase. 5. How many nations have ended because of that fatuous statement? Throughout history, nations and civilisations have ended because of uncontrolled power and greed.CGT is going to be a pain to implement and run but it doesn’t mean we shouldn’t do it.

Gary Lin interested in your thoughts in how CGT will effect bank lending. I asked the speaker if the debt on the property is considered when CGT is calculated. Answer waa No. Its calculated on sale price less value as at 2021. Debt isn't taken into account. So if debt is high there cld be a shortfall of funds to pay CGT. Banks will drop LVR's to account for CGT. Raises issues with cross collateralising.

Went to an APIA presentation last night on CGT. OMG....it is nonsense!! "Transfer of Wealth" was a focus of the group. Get this..if you are in a relationship but live apart you can have separate principle place of residence for 3 years then must pick a house. So two solo parents living with their kida in sepaarte towns after 3 years have to pick a house or buy a huge house. Take kids out of schools & move town. Tax seems to be based on who you love.

+ View more comments

2 months ago

Gary Lin

How NOT to lose money in buying your next property?
Stay away from power pylons and railways!

#propertyinvestmentnz
#realestatenz
#auckland
#aucklandrealestate
#realestateauckland
... See MoreSee Less

How NOT to lose money in buying your next property?
Stay away from power pylons and railways!#propertyinvestmentnz
#realestatenz
#auckland
#aucklandrealestate
#realestateauckland

 

Comment on Facebook

Carla Page

Is that house behind you still for sale?

2 months ago

Gary Lin

Are you one of many Auckland property investors struggling to find a good deal to buy?

Or you are stuck with a low performing property portfolio?

That’s because many properties in good parts of Auckland are only returning between 2 to 3%...

7%+ return properties are now possible, with the introduction of the Auckland Unitary Plan.

These 7%+ high yielding residential developments start at around $200,000 plus purchase.

An example is this property purchased by one of my students Ross, in Mt Roskill for $1mil a year ago.

Now Ross is in the process of turning this property from one income into 5 incomes by conversion and adding dwellings.

The project cost is about $800,000, and will take 18 to 24 months, but the result is worth it.

End project total rental will be $2,500 per week.

Gross yield 7.5%!

Final market valuation of the 5 units separate title development will be around $3 to $3.2 million.

That's an increase of over $1 million or 56% in value!

If you are stuck with a low performing property portfolio, or struggling to find a good returning deal, send me a message, and see if my Property Development Blueprint programme is right for you.
... See MoreSee Less

 

Comment on Facebook

Well done Gary Lin, the Unitary Plan sure is an investors/developers dream, and it certainly provides provision for Aucklands under supply of housing.

What a great deal! Can you share how this deal works exactly ie. what's on the site now and what the investor plans to do with it?

It would be great if I can help Ross to sell his low return properties 😁

2 months ago

Gary Lin

Do you know how much money you need for retirement?

Articles on the herald suggest that we need $2mil to retire comfortably.

But if you are spending $40-50k a year, is that enough to last when you might live to your 80s or 90s old, given that inflation and low term deposit returns will erode your savings?

Running out of money while you are still alive is the worst nightmare anyone can have.

But that is the reality many kiwis face today.

No longer can you just work hard, save, and depend on the super for a comfortable retirement.

Superannuation is only $300 odd per week for singles, and $500 odd for couple. That is not enough for a comfortable retirement.

A better question to ask yourself today, while you are still young, is how much passive income you need for a comfortable retirement.

So that you can afford to not needing to work past 65 years of age, but choose when to work, and if you want to work at all.

My best recommendation is invest while you are still young, while you still have time to invest for the long term, especially in property.

If you need $1000 a week plus super to live comfortably when you retire, that's about 3 rental properties mortgage free.

If you have higher goals, say $2000 a week, then you need to have some urgency, plan, and take action.

$2000 a week will require about 5 to 6 properties mortgage free.

With property prices doubling every 7 years like Auckland, and 8 to 9 years in Hamilton Christchurch, you really need to procrastinate less, take action early, and buy faster.

Work out how much passive income you really need, and how soon you want to achieve it.

Then start planning your property investment strategy, and start taking action.
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Comment on Facebook

You need a whole lot less properties if your plan involves selling one off every few years and living off the equity too. After all, you’re not going to live forever!

Properties in Ak double every ten years not every seven years on average I think. In centres like Christchurch it's been more like every 15 years. I personally think these increases might not be sustainable long term unless wages rise SIGNIFICANTLY. People can't afford the Ak average of $1m now so will they then be able to afford $2m in ten years?! Same with rents - have they maxed out for a while? I tend to think so. Property investing needs to be part of an overall strategy to save for retirement. Also will we even get super? I think probably not 🙁 They will start to means test at some point and those of us that have worked to save will get our super cut.

It's a lot more than that number of properties if you factor in ongoing maintenance (kitchens, roofs and bathrooms) and income tax.

Phill Su

2 months ago

Gary Lin

Here are 5 mistakes that cost me $150,000 in my first home.

Before I built a $10 million dollar property portfolio, and featured on NZherald half a dozen times, I made a lot of mistakes through trial and error in the beginning.

This was back in 2009, my wife and I were novice in property.

We looked at a few properties online, kinda know the areas we wanted to buy.

1st mistake was we didn't look at enough open homes. We purchased our first home after only looking at two open homes.

2nd mistake was buying a property on the main road.

It is only after we moved in that we found out about the terrible traffic especially during morning and after peak traffic. It was very hard to turn onto the main road during peak hours.

Consequently that turned a lot of home buyers away when we sold it 6 years later. No street parking didn't help at all!

3rd mistake was the property was built on a steep section with many retaining walls. With a steep section there was no out door area or green space, except a big outdoor deck.

4th mistake was not doing a builders report, which we only later found out the big deck wasn't legal... In fact the deck was already slightly sunk on one side when we bought the property!

5th mistake was listening to the wrong advice. My mum told us it was a good first home, and we could always upgrade later... Unfortunately we didn't seek advice from the right people or get a second opinion...

Upgrade we did, 6 years later, but if we bought smarter back in 2009, we could have got $150,000 more when we sold it, and saved $150,000 in our mortgage in our upgraded home...

Make sure you do the right homework before buying any properties!
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Comment on Facebook

Eparama Tuibenau

Thanks for your great imformation GL

Happy Birthday! Gary

Happy birthday Gary

Sai Khanapur

Ranjit Singh

Dang Tran Vu

Natali Mena

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2 months ago

Gary Lin

Property investors are commonly worried about whether tenants
1) pay on time, and
2) look after the rental

If you want good tenants that look after your rental, pay rent on time, and pay good rent.

First you need to give, before you receive.

The quality and condition of your rental property will determine whether you will attract the ideal tenants.

Make sure your rental property is well maintained!

#Howtoinvestproperty
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Comment on Facebook

We do both but also guarantee the rent for the whole Lenght of the lease and are free of charge 😄

Sadly too many landlords are clueless and think it’s only about collecting rent.

Awesome lessons

So true. Many landlords do t spend a follow on upkeep or maintenance and try to rip everyone off. Then they are surprised when the universe returns that right back at them.

2 months ago

Gary Lin

4 reasons why I'm not scared of the Capital Gains Tax on property and real estate.
#PropertyInvestorMindset
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Comment on Facebook

Great stuff! Non bias logical view.

Thank you Gary... this is awesome

2 months ago

Gary Lin

Invest in property according to the season & property clock, not against it.

#howtoinvestproperty
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Comment on Facebook

Great comparison Gary!

Excellent way to present that concept.

Only wish I had a rich daddy who would be gracious enough to gift me $$$

It’s a cucumber Gary. 😂

Great advice Gary

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2 months ago

Gary Lin

A warning to negatively geared property investors on interest only loans.

Here's a story about Eddie, who was heading for big trouble.
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Comment on Facebook

There are so many Auckland investors in similar positions but most are not as extreme as this situation. This is a perfect example of how overcooked the market is and why a correction is inevitable.

How come you post negative stuff on shares etc when property investors like this guy get yields of 4%... 1.3m property renting for 1100 a week... my rule when I started in the early 2000s was to roughly double the peice in rent. You'd want about 2600 a week rent on that.

Hmmm

2 months ago

Gary Lin

If the only culture you know is your own, then you don't know your culture at all.

While we are all different on the outside, we are genetically pretty much the same on the inside, all flesh and blood.

We should all learn to accept our differences, and more importantly do things for the betterment of humanity, not individuality.
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If the only culture you know is your own, then you dont know your culture at all.While we are all different on the outside, we are genetically pretty much the same on the inside, all flesh and blood.We should all learn to accept our differences, and more importantly do things for the betterment of humanity, not individuality.

 

Comment on Facebook

the best solution is no religion

💯

2 months ago

Gary Lin

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Comment on Facebook

We are no longer safe 😞

2 months ago

Gary Lin

My 3 tips for if you are selling to upgrade your home or rental property in todays market.

#AskGary @ Gary Lin
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2 months ago

Gary Lin

Beware of buying apartments.

My first investment was a shoe-box apartment on Queen Street Auckland in 2005 (pictured).

I was very lucky to sell this apartment 12 months later for the same price to my tenant, while the apartment market was dropping prior to the GFC. Have I held it longer when GFC hit, I would have lost a lot of money!

Here are few things to watch out for when buying an apartment:

1) make sure the apartment is at least 50m2 to get bank lending

2) avoid apartment blocks that has any structural issues such as leaks.

3) read at least 2 years of body corp minutes with a magnifying glass and go through with a fine tooth comb

4) avoid apartment blocks that are predominately investor owned. Investors will more likely fire sell in sign of trouble during recessions, and drive prices down. More owner occupier the better!

5) avoid apartment blocks where there are too many substandard tenants. Good luck attracting desirable tenants...

6) personally I would check ownership of all apartment units in the block. Avoid any blocks that have HNZ ownership.

7) make sure the body corp has allowed for a robust long term maintenance plan

8 ) make sure you calculate your rental return by net yield and not gross yield. Body corp fee can significantly reduce your net yield!

9) make sure the view the apartment unit is getting is not going to be blocked by the next new build right in front of it, which will reduce the price significantly in the future

10) talk to a few owners and tenants living in the apartment block to get a feel of the points above

11) talk to the building manager and find out as much about the apartment block and who is living there as much as possible

12) stay well clear away from leasehold apartments. Lack of capital gain and horrendous ground rent will set you back years to come!

13) make sure body corp rules and building insurance policy specifically allows AirBnb short term accommodation. You do not want your short term tenants to trigger fire alarms or burn the building down, and you are not covered by insurance!

What would you like to add to the list?
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Beware of buying apartments.My first investment was a shoe-box apartment on Queen Street Auckland in 2005 (pictured).I was very lucky to sell this apartment 12 months later for the same price to my tenant, while the apartment market was dropping prior to the GFC. Have I held it longer when GFC hit, I would have lost a lot of money!Here are few things to watch out for when buying an apartment:1) make sure the apartment is at least 50m2 to get bank lending2) avoid apartment blocks that has any structural issues such as leaks.3) read at least 2 years of body corp minutes with a magnifying glass and go through with a fine tooth comb4) avoid apartment blocks that are predominately investor owned. Investors will more likely fire sell in sign of trouble during recessions, and drive prices down. More owner occupier the better!5) avoid apartment blocks where there are too many substandard tenants. Good luck attracting desirable tenants...6) personally I would check ownership of all apartment units in the block. Avoid any blocks that have HNZ ownership.7) make sure the body corp has allowed for a robust long term maintenance plan8 ) make sure you calculate your rental return by net yield and not gross yield. Body corp fee can significantly reduce your net yield!9) make sure the view the apartment unit is getting is not going to be blocked by the next new build right in front of it, which will reduce the price significantly in the future10) talk to a few owners and tenants living in the apartment block to get a feel of the points above11) talk to the building manager and find out as much about the apartment block and who is living there as much as possible12) stay well clear away from leasehold apartments. Lack of capital gain and horrendous ground rent will set you back years to come!13) make sure body corp rules and building insurance policy specifically allows AirBnb short  term accommodation. You do not want your short term tenants to trigger fire alarms or burn the building down, and you are not covered by insurance!What would you like to add to the list?

 

Comment on Facebook

Grant Sanderson thoughts ❓❓

Gary Lin The apartment building you bought in is low-end hence your issues. However if you’d kept it you’d definitely have made money on it. Your advice is subjective as it all depends on your investment goals. Eg. I know people who’ve done very well with leasehold, and I hold a few apartments under 50sm that have performed well. People shouldn’t be put off buying apartments as the market is growing due to lack of land. They’re also low maintenance, cheaper to buy and generally have higher yields than houses, and they can have the same percentage of cap gains as houses if you buy well.

Catherine Southwick good tips for you 👍

Buildings with the fancy amenities like swimming pools, spas & tennis courts are nice, but these facilities aren’t free. Body corporate fees are often significantly higher in these buildings.One bedroom apartments generally attract young professionals, two bedroom apartments generally attract flat mates. Young professionals usually mean less drama & better ROI%.Small apartments = students, larger apartments = lower percentage ROI. You need to find a balance, as students are less likely to be long term tenants (more than 1 year), and then you have the costs of finding new tenants + a vacant apartment while searching.

I would say that 2years of body corporate records is not enough... Dig back as far as you can go.

Out of interest what is that same apartment worth today?

Allan He

Well said Gary Lin

Stating the obvious: better buy one with a car park if you can! HahaBuying apartments is a different game, a lot more research required but maybe well worth it, yield could be much higher than the average unit/house ...

look for a do up, apartment do ups can be cost effective and look at furnished rentals can work good

Look for air bnb reviews for the building / neighborhood.

Apartment land leases?

Useful tips 👏

This is awesome! Thank you!

Informative as always, thanks for sharing 😊

Get your self equipped otherwise stay away from apartment 😂

Buy an apartment built and developed by Conrad properties.Reputable devloper so far.

Emma O'Mahony

Do u see an over supply of apartments in the near future?

Gary Lin thanking you

Very good advice Gary Lin.

Great advice....thanks Gary

Gary Lin A greedy prat who received parental money to begin his path of buying New Zealanders potential homes for his own mercenary self. You're a part of the housing problem you soulless asshole 😡

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3 months ago

Gary Lin

Congrats Max on your first property investment purchase!

15% under value and 6.5%+ gross yield in Hamilton!

Max is based in Auckland, and was new to property investing.

He didn't have a clear investment strategy.

He didn't know where and what to buy.

He also had a limited budget of $300k, which was unlikely for him to buy in Auckland.

Two months ago Max enrolled in my Property Investment Blueprint course (www.GaryLin.co/Blueprint).

Fast forward two months, Max was able to implement the strategies in the course step by step.

Max narrowed down his focus, found his target market, and found the right suburbs in Hamilton to hunt for the right deal.

The more he followed the course, and did the work, the more confident he became.

Soon Max became an area expert of the areas he was searching properties.

He is now able to secure his first investment property in Hamilton, 15% below value, and positive cash flow at 6.5%+ return!

PS: Funniest thing is this is the first time I met Max in person. Before I checked out his purchase I didn't even know what Max looked like!

If you would like to be Max, enrol in the Property Investment Blueprint course today:
www.GaryLin.co/Blueprint
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Comment on Facebook

Brent Goldingham

Great work

Stuart Waterhouse

3 months ago

Gary Lin

Tips for self managing property investors advertising your property for rent. ... See MoreSee Less

3 months ago

Gary Lin

How to spend $100 to get extra $10 a week in rent, and increase your property price by $10,000 or more! ... See MoreSee Less

 

Comment on Facebook

Charging $520 a year for a new letterbox is one of the reasons we need stronger tax laws and regulation against predatory landlords and investors.

To me when im inspecting a place I think if they skimp of this shall stuff what else have they been cheap or lack or maintenance with. After I submit my offer and in the attorney review period I send a list of repairs and maintenance needed and have the price revised. I find that emotionally the seller doesn’t want to have to start the process again and 9/10 times I get a good discount because of things like s crappy letter box and on from there. Great tip!

So when my property manager/agent gives me a figure I simple say you can add another $10-10000 dollars to that mate cos I’m heading to bunnings to get a stainless Letter box 😂😂

You must be so bored today lol

That front garden looks awful too

+ View more comments

3 months ago

Gary Lin

I asked Kiwibank to refix my $200k investment loan on one of my properties.

Which one would you pick to lock in for?

PS, 2 years – 4.09%p.a.

Gary Lin
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Comment on Facebook

I got 3.95% for 2 years with sovereign 2 weeks ago. They have low break fees so if the interest rates drop further you can always re-fix for a lower rate

These rates are insanely low. How'd you get them?

What's the dollar difference mate

$200 saved in 6 months or 40 x flat whites. This was a hard decision 😂

Hsbc premier rates: 1 year special* 3.95% 2 year special* 3.95% 3 year special* 3.95%Tell kiwi bank to do better 🙂

1 year mate.

+ View more comments

3 months ago

Gary Lin

What a 8% gross yield development looks like. ... See MoreSee Less

 

Comment on Facebook

Good way of creating positive yield in Auckland market.

Thanks for the video, always informative, i just want to understand what conversion means ? Conversion of property to ?

Gary do you know if creating additional household units incur Watercare Infrastructure Growth Charges for connecting new water meters?

Three legal incomes but you did not mention development contribution for extra two income properties. Doesn't he need to pay it?

Kapil Gulati..

Great content as always bother! You could look at a mic for your collarvto improve voice audio and cut down on. surrounding noise distractions so your message isn't lost. 🙏🏻

So early for live stream

Are you converting the internal access garage to a two bed and the other garage to a one bed? Are there requirements for firewalls etc and is this expensive?

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3 months ago

Gary Lin

Many people ask me how much is this property worth etc

Here's my response, and my tips on doing market research.

Ps, a student of mine that did my Blueprint course has got a Hamilton property under contract, 6% return, and 25% under value.

Go check out my Blueprint course:
www.Garylin.co/blueprint
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3 months ago

Gary Lin

Fellow property investors, it’s that time of the year to:
- review your rents
- sort out maintenance issues before winter
- insulate before it's too late
- new Healthy homes bill
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Comment on Facebook

Great updates Gary. How are you?

Very informative as always good video Gary

3 months ago

Gary Lin

To all small business owners who work from home.

1) Would you stop claiming home office expense, and pay no Capital Gains Tax

Or

2) Claim office expense, but pay Capital Gains Tax on the portion of your home used as office
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Comment on Facebook

I am just going to rent a room at my friends place and use it as my office.

That is a no brainier.The typical self employed that claims home office expense would claim 10% or less of their total home expenses so the benefit of doing so would be gone if CGT kicked in as a result.

Haha rhetorical question?

It’s such a small proportional cost it should not make a difference.

Can you please explain claim home office and pay CGT in which way related?

I’d imagine that most would use it as an office to claim expenses and then a year or two prior to selling change to not claiming expenses.As I’m sure that there would be so many loop holes to utilize to negate large sections of the tax if it were ever implemented.As having an exception to not include the family home, cars, boats, jewelry or artwork, it likely opens up a raft of ways to minimize tax for savvy investors/accountants.

+ View more comments

3 months ago

Gary Lin

From a friend regarding Capital Gains Tax:

“We are screwed we have 4500m2 of land family home”

Cut off is 4200m2 or under for owner occupied rurual lifestyle and farm properties...
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Comment on Facebook

You are only screwed if you vote these ill equipped ideologues back in. The game here is to get everyone talking like this tax grab is inevitable, then the coalition of losers will offer a watered down version to make themselves appear moderate and if enough dummies fall for it and they are returned to power, inch by inch the tax creep will begin - just like gst. Don’t be sucked in, this does nothing for housing affordability, vote them out, the wheels are falling off and they haven’t the ability to see us through, have you listened to The PM speak - no substance, waiting on a working group to give feedback on every issue - she’s winging it.

Don’t be so dramatic, there are ways around this, sit back and watch.

Sell 300m2 to someone else in the family lol

But this will slow the property price increases. 😂😂😂 yeah right.

Can you gift 300m2 to a family member?

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3 months ago

Gary Lin

Hazards & opportunities during a flat or downturn property market. ... See MoreSee Less

3 months ago

Gary Lin

If you can't develop a property right away, don't buy it.
Here's why.
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3 months ago

Gary Lin

Talking to a friend who works at McDonalds as operations manager looking after 3 McDonalds stores.

Any kid who works hard and smart, start their career at McDonalds with no experience at age 15.

By age 21, you can potentially become a store manager earning $80-90k. One store is even offering $140k per year. Australian store managers are even younger than NZ counter parts.

Would you give this opportunity a shot if you are 15 years old?

#15yearoldcareergoals
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Comment on Facebook

my first job was at KFC i learned about how systems can extract productivity out of someone with little knowledge

In hindsight yes, but as a 15yr old I probably wasn't thinking about that kind of stuff.

No. But they do have a good training model. A perfect business if you were to judge it's merits purely on systems and processes.

Think bigger. One of the only businesses on the planet that if you pass their franchise vetting the banks are 99.99% going to throw money at you and they are known for offering franchises to employees before investors. Owning a business that can be run by 15 year olds and you only need to visit once a year to make sure the building hasn’t burned down, doesn’t get much better than that

I started at McDonalds when I was 15 and worked through the rest of my high school years, that job paid for me to get to university and I learned a lot of great things in the process!

yes sure would have. what great leadership and business training plus great pay.

Good money if you make it 👌 Is it 40 hours a week? 😎

Yes - good training systems

Yes - good training systems

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3 months ago

Gary Lin

3 secrets to property development to ensure your development project comes out on top, and profitable. ... See MoreSee Less

3 months ago

Gary Lin

Someone asked what to look out for buying a home in 2019.

Here's my very quick response:
Make sure your wife likes it.
No plaster
No railway
No motorway
No arterial road
No high voltage pylons
No flood zone
No gang area
No commercial industrial properties next door
No leasehold
No Housing New Zealand clustered in the immediate streets
No steep slopes or cliff tops
No apartment
No body corp/unit title
No meth lab

Buy in high ownership area
Street appeal
Quiet street
Door knock neighbours and ask them questions
Look at what your potential neighbours are throwing out at rubbish collection especially the recycling bin, ie overflowing alcohol bottles is bad sign

What do you think?
... See MoreSee Less

Someone asked what to look out for buying a home in 2019.Heres my very quick response:
Make sure your wife likes it.
No plaster
No railway
No motorway
No arterial road
No high voltage pylons
No flood zone
No gang area
No commercial industrial properties next door
No leasehold
No Housing New Zealand clustered in the immediate streets
No steep slopes or cliff tops
No apartment
No body corp/unit title
No meth labBuy in high ownership area
Street appeal
Quiet street
Door knock neighbours and ask them questions
Look at what your potential neighbours are throwing out at rubbish collection especially the recycling bin, ie overflowing alcohol bottles is bad signWhat do you think?

 

Comment on Facebook

That’s an awesome list Gary! I’m interested to know why ‘No unit titles’ as a blanket rule, though?

Does not leave many options 😉

*Not a meth lab 😉

Something you can afford? And/Or pays for itself😉

Make sure your wife likes it is the top 1 hahahahahaha

No 1 most important of all! 😂

LOL

bin diving may be a due diligence step too far !🤣🤣

Whats so bad about living near hnz homes? Is it the homes themselves or the tenants?

Our recycle bin is full and we are GREAT neighbors...lol

In all fairness I know some great neighbors who's recycling bin would suggest otherwise.

Sooo.... I should buy on Mars 😀

How do you know if there are housing NZ houses in the neighbourhood?

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4 months ago

Gary Lin

I thought NZ was bad at building apartments, especially between 1992 to 2004.

Now it is Australia's turn...

Also Australia media is full steam ahead on the doom and gloom bandwagon.

www.youtube.com/watch?v=vRSdiq3sOTcHousing and banking expert Martin North North has criticised developers and the housing industry for “throwing up” high-rise buildings at such alarmingly fas...
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Video image

 

Comment on Facebook

I’ve experienced 3x property corrections so far since i bought my first rental at 18, these were up to 50% reductions in values and always gave great buying opportunities for those that could cover/hold. Although I wouldn’t buy a unit in this building for a 50% discount.

will this ever happen to nz?

4 months ago

Gary Lin

Alex came to me and wanted to invest in Hamilton 2 months ago.

From knowing almost nothing about property, Alex went from strength to strength.

Within about 1 month after completing my Property Blueprint course, Alex found a deal that is 6% return. Best of all the dual income property has already got services separate, plus the council development contribution was already paid by the seller!

Alex only need to spend $4000 to complete the subdivision!

After subdivision is complete, each of the two separate properties will be worth $430k to $450k each, giving Alex a combine value and equity gain of over $200,000!

If you want to be like Alex, have confidence, knowledge and skills in your property investment journey, I provide a range of group coaching, online course, and one on one coaching.

Send me a message to find out more!
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Comment on Facebook

Love it Gary Lin

Brilliant Gary!

Can this be done in Perth Gary Lin

Awesome

Great work what is covered in the property blueprint course?

Awesome result!

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4 months ago

Gary Lin

What the Australian Royal Commission didn't cover, and what really cause the property bubble and subsequent collapse in Australia.
Gary Lin
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Comment on Facebook

I agree with the sketchy loans. Even my mortgage brokers now are relaxed about income. I think you are on point with what will happen next, when commissions are taken away, most sales jobs/brokers will hit the fence, the impact is huge. Unemployment ect.

Gary have you seen this? www.youtube.com/watch?v=vRSdiq3sOTc

4 months ago

Gary Lin

The Australian housing market is getting worse and worse.
Australian government will feel the pressure to:
1) lower interest rates by cutting OCR
2) relax interest only loan periods to give negative cashflow borrowers more breathing space
3) ease lending to revive the market
4) accelerate immigration to boost demand for housing
5) entice foreign buyers back somehow to boost demand for housing, especially new apartment market that have been worst hit

Will be interesting to see the reaction in New Zealand market, which has been relatively not as badly affected by the credit crunch by the banks.

Gary Lin
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The Australian housing market is getting worse and worse.
Australian government will feel the pressure to:
1) lower interest rates by cutting OCR
2) relax interest only loan periods to give negative cashflow borrowers more breathing space
3) ease lending to revive the market
4) accelerate immigration to boost demand for housing
5) entice foreign buyers back somehow to boost demand for housing, especially new apartment market that have been worst hitWill be interesting to see the reaction in New Zealand market, which has been relatively not as badly affected by the credit crunch by the banks.Gary Lin

 

Comment on Facebook

Does big cities in Australia face housing shortages like we have in Auckland?

OZ and NZ are two really different market.

It’s obvious all they’ll do is lower the ocr?

4 months ago

Gary Lin

Experience is built on failure, getting back up, fail more, before achieve success (and fail more).

If you want to fail less along the way to your success, hire a coach who have been through enough failures and has come out on the other end.
... See MoreSee Less

Experience is built on failure, getting back up, fail more, before achieve success (and fail more).If you want to fail less along the way to your success, hire a coach who have been through enough failures and has come out on the other end.

4 months ago

Gary Lin

Here are some tips to professionals and business owners who need to presentations. ... See MoreSee Less

4 months ago

Gary Lin

Buying property is not just about the logic and numbers.

Emotion appeal is very important also as it can affect the value growth and also attracting the right types of tenants.

Street appeal is very important when comes to doing your market research.

Make sure when you are searching for the right property, put in the time and effort to check out the neighbours, have a chat to them, check out the street at different times of the week.
... See MoreSee Less

 

Comment on Facebook

awesome. no drunks on my street!

Cayla Parkinson 👍

4 months ago

Gary Lin

Enjoying the sun and Hamilton lake side lunch, celebrating Alex’s first property purchase!

6% gross yield
Positive cash flow
Plus potential cheap subdivision that the vendor has already paid for
Instant $200k equity!
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Enjoying the sun and Hamilton lake side lunch, celebrating Alex’s first property purchase!6% gross yield
Positive cash flow
Plus potential cheap subdivision that the vendor has already paid for
Instant $200k equity!

 

Comment on Facebook

Congratulations Alex 🍾🍾🍾🍾🍾🍾

4 months ago

Gary Lin

Renting vs Owning your home, from an investors perspective. ... See MoreSee Less

 

Comment on Facebook

Own to rent, rent to live.

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