Anonymised journeys from real past clients, organised by where they started. Each one is a composite (merged from two to three clients, no single identifiable deal). Outcomes are modelled, not guaranteed. Past results never indicate future returns.
The PPOR-Holder Couple
Foundation Builder · Late 30s to early 40s · Passive income · Anchor stage
Where they started
Owner-occupied home in a major metro (worth around $1.1M to $1.3M), roughly $160k to $200k usable equity, two stable incomes, no investment properties yet.
The move
- Outer-north metro growth corridor, VIC · House · $625k · 2025 · Full-block house, sub-4% entry yield, growth-led acquisition.
Where they are now
Six months after settlement the modelled equity position is ahead of plan. The strategy positions them to recycle equity for purchase #2 inside 18 months while maintaining the lifestyle they already have.
Composite, not one individual client
The Multi-State Accumulator
Accelerated Accumulator · Mid 30s to mid 40s · Wealth growth · Expansion stage
Where they started
Two to three investment properties in the home state (mostly WA or NSW), combined portfolio value $1.5M to $2.0M, strong serviceability, ready to diversify into a second state with a long-term commercial pivot planned.
The move
- VIC growth corridor · House · $580k · 2024 · Mid-portfolio acquisition, modest yield with strong land component.
- Regional QLD · House · $510k · 2025 · Second purchase 11 months later, similar growth profile.
Where they are now
Two purchases inside 12 months. The model shows the portfolio compounding well into the next stage, with the commercial pivot locked for around year 6 once the residential equity base matures.
Composite, not one individual client
The Commercial-Pathway Investor
Consolidator · Mid 30s to mid 40s · Passive income · Consolidation stage
Where they started
One residential investment property held personally, one commercial holding via SMSF, established household income, comfortable with the operational complexity of multi-entity structures.
The move
- Regional VIC · House · $750k · 2026 · Mid-4% yield, regional house, growth and yield blend.
- Regional NSW · Commercial · $940k · 2024 · 5% gross yield, long-WALE tenant in place, net-lease structure.
Where they are now
The commercial holding revalued upward inside two years (yield-driven), shifting the portfolio toward income primacy. The model maps a second commercial entry alongside paying down the residential, putting them on a clean path to replacement income inside the next decade.
~10yr
To replacement income
Composite, not one individual client