In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we strip property investing back to fundamentals and break down the key concepts every investor needs to understand in plain English.
We cover the core building blocks of investing, from loan structures and cash flow to how to properly think about growth, risk, and long-term strategy.
To break this down, we discuss several key ideas:
• The difference between principal & interest vs interest-only loans and when each makes sense
• What rental yield actually tells you (and why it often gets misunderstood)
• How to think about supply, demand, vacancy rates, and days on market
• The difference between good debt and bad debt, and why it matters long-term
• The real cost of holding a property, including all the hidden expenses most investors miss
• The three common ways people use property to build wealth over time
We also unpack why chasing high yields can often lead to higher risk, why holding costs are frequently underestimated, and how having the right strategy and buffers in place can prevent costly mistakes.
By the end of the episode, the goal is simple: give you a clear framework to understand how the fundamentals work together, so you can make better property decisions without getting lost in the noise.
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