Passive with Property

Is 2026 the year investors need to be more careful than ever?

In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria break down what Australian property investors need to know before buying in 2026 — from negative gearing confusion and off-the-plan risks to developer stock, kickbacks, broker conflicts and fear-based sales tactics.

They also explain why the right team matters more than ever, how to spot advice that may not be in your best interest, and why investors should focus on real strategy instead of getting caught in the slick sales pitch.

If you’re thinking about buying property in 2026, this episode will help you ask better questions before making your next move.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au

📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast: https://overcast.fm/itunes1673633552

Is traditional buy-and-hold property investing still the safest strategy—or is it quietly becoming harder to sustain?

In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria unpack why the old “buy it, rent it out and wait” approach may no longer work the way it used to. With rising prices, tighter cashflow and changing investor conditions, they reveal what smart investors are doing differently to stay ahead.

From granny flats and co-living strategies to the hidden risks of house-and-land packages, this episode challenges the way many Australians think about long-term property investing.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au

📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast: https://overcast.fm/itunes1673633552

Can you buy an investment property without having a large deposit saved?

In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria explore how buyers with stable employment and strong borrowing capacity may still be able to enter the Australian property market—even if saving a deposit has been difficult.

Using the example of a 33-year-old buyer earning $120,000 per year but struggling to save, they explain how an experienced mortgage broker structured a solution where her parents guaranteed only the deposit portion of the loan rather than the entire property purchase.

You’ll learn:

👉 How borrowing capacity and deposit requirements are different

👉 Why online borrowing calculators can be misleading

👉 How a broker can reverse-engineer your deposit requirement

👉 How a limited guarantor arrangement may work

👉 Why the guarantor may only secure part of the loan

👉 How future property growth could remove the guarantor

👉 Why the tenant’s rent may help support repayments

👉 The risks guarantors need to understand

👉 Why legal advice and proper contracts are essential

👉 How strategic brokers differ from cookie-cutter brokers

👉 Why buyers should understand the worst-case scenario

👉 How refinancing may help release a guarantor later

They also discuss the responsibilities and risks involved when parents, relatives or friends provide financial security. While a guarantor arrangement can help someone purchase sooner, everyone involved must understand their obligations, seek independent legal and financial advice and enter the agreement with clear expectations.

The key takeaway is that having no deposit does not always mean you have no options. A knowledgeable mortgage broker may be able to identify lending structures that are not obvious through online calculators or basic bank assessments.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au

📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast: https://overcast.fm/itunes1673633552

That 6% rental yield or “$150 per week positive cash flow” might look impressive—but does the property still perform once you calculate the real costs?

In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria explain how bad property deals can be made to look profitable by manipulating the numbers. They break down the difference between gross yield and true net cash flow, revealing the expenses investors must calculate before purchasing a property.

You’ll learn:

👉 Why advertised rental yields can be misleading

👉 How your loan amount and LVR affect cash flow

👉 The upfront costs investors often overlook

👉 Why council rates, insurance and management fees matter

👉 How vacancy, repairs and maintenance reduce rental income

👉 Why investors should use an independent rental appraisal

👉 How to calculate a realistic net return

👉 The danger of relying on depreciation and tax benefits

👉 How confirmation bias can distort your property analysis

👉 Why best-case and worst-case calculations both have limitations

👉 How fear-based sales tactics pressure investors into buying

Dragan also shares a practical framework for analysing a property deal, including the purchase costs, borrowing structure, ongoing expenses, realistic rental income and potential interest-rate changes.

The key lesson?

Don’t make your decision based on the most attractive number in a sales presentation. Calculate the real net position, verify the information independently and make sure the investment still works without relying on beautiful assumptions.

📘 Get 20% off Dragan’s book plus free shipping at buyersagencyaustralia.com.au/book using the code BOOK20.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au

📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast: https://overcast.fm/itunes1673633552

Not everyone calling themselves a buyer’s agent is genuinely working for the buyer.

In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria reveal what makes a good buyer’s agent—and the major red flags Australian property investors should watch for before trusting someone with their next purchase.

They explain how some agents receive hidden marketing fees, developer commissions and financial incentives while still claiming to represent the buyer. Amanda and Dragan also break down why these conflicts of interest can lead investors toward overpriced off-the-plan properties, house-and-land packages and cookie-cutter investment strategies.

You’ll learn:

👉 How to confirm whether someone is a genuine buyer’s agent

👉 Why buyer’s agents should only be paid by the buyer

👉 How developer marketing fees create conflicts of interest

👉 Why qualifications and personal investing experience matter

👉 The benefits of accessing off-market and distressed properties

👉 Why SMSF property recommendations can be a major red flag

👉 The risks of using a property investment “one-stop shop”

👉 Why you need an independent broker, accountant and conveyancer

👉 How a good buyer’s agent creates a personalised investment strategy

👉 The questions every investor should ask before signing an agreement

A trustworthy buyer’s agent should advocate exclusively for you, welcome independent scrutiny and recommend properties based on your financial position and long-term goals—not whichever transaction earns them the biggest fee.

📘 Get 20% off Dragan’s book plus free shipping at buyersagencyaustralia.com.au/book using the code BOOK20.

🔥 Listen to the full episode now!

⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice.

Connect with Buyers Agency Australia

🌐 buyersagencyaustralia.com.au

📞 Book your free 15-minute call → https://propertysession.com.au/15

📘 Order my book → https://buyersagencyaustralia.com.au/book

🎧 Listen to the Passive with Property Podcast:

Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3

Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552

Overcast: https://overcast.fm/itunes1673633552