THE PURE PROPERTY PODCAST: The $11k holding cost strategy behind a 4-property portfolio

Building a property portfolio takes more than capital growth, with one investor keeping out-of-pocket holding costs to just $11,000 over five years while building a four-property portfolio.

On The Pure Property Podcast, Phil Tarrant and Aaron Findlay, senior buyer's agent at Pure Property Investment, speak with Jamie Kerr, a Central Coast wedding photographer who began investing just before the pandemic after receiving a property investment book for Christmas.

The couple bought properties across Perth and Brisbane, including one for $320,000 that later sold for $815,000, with proceeds from two Perth sales helping fund their $1.58 million family home on the Central Coast.

Kerr says the four properties cost around $11,000 out of pocket to hold over five years, with rising rents helping offset expenses as values increased, with Findlay breaking down the figures, including rental yields, acquisition costs, capital growth, and equity.

Now at their borrowing limit, the couple is considering selling another investment to reduce their home loan before potentially using equity to buy again.

The discussion explores how investors can balance portfolio growth, debt reduction, and family priorities while keeping their long-term financial goals in sight.