Educational articles on the 2026 reforms, the Map / Match / Model framework, negative gearing, commercial cap rates, portfolio building. Plain English. Numbers first. Written for serious investors.
The full course version of these articles. With video lessons, live Q&As, discussion threads, and case-study breakdowns. Lands on Skool later this year. Everything you see here stays free and readable. Skool goes deeper for people who want to level up faster together.
Proposed limit on negative gearing for established residential acquired after 12 May 2026. Split-treatment CGT for pre and post 1 July 2027 disposals. Trust distribution changes from 1 July 2028. Every rule, every cutoff, plain English.
Five stages, three pillars, one map. The canonical StratMap methodology. How the framework organises a portfolio by stage, and how Map, Match and Model fit together. Outcomes depend on inputs and markets.
Cap rates, WALE, LVR, tenant covenant, serviceability. The numbers that differ between commercial and residential in an Australian portfolio, and the modelled stage where commercial entry is tested.
As announced, from 1 July 2027 rental losses on established residential acquired after 12 May 2026 would only offset property income, not salary. Not law until legislated. What the mechanics look like, worked with illustrative numbers. Your accountant advises what applies to you.
The deposit, the borrowing test, area research, due diligence, loan terms and stamp duty, explained with illustrative numbers. Your broker confirms lending.
The 4-property borrowing test. A modelled commercial entry. How commercial yields compare. Common questions.
Cost-base indexation replaces the 50% discount for post-cutoff gains. Split-treatment on pre-cutoff holdings. How a 30 June 2027 valuation would affect the split calculation as proposed. Worked examples across five and twelve year holds.
Fixed, CPI, market. Ratchet vs non-ratchet. In this modelled example, two 7% deals differ by $40k+ over 10 years depending on the review clause. Why the mechanism drives cap rate.
Every state, every formula, worked with real numbers. Modelled stamp duty on a $700k investment purchase ranges from about $20k (ACT) to about $37k (VIC). Plus foreign purchaser surcharges. Check current figures with the state revenue office.
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