{"id":14225,"date":"2017-10-25T07:00:39","date_gmt":"2017-10-24T20:00:39","guid":{"rendered":"http:\/\/www.realestatetalk.com.au\/?p=14225"},"modified":"2017-10-25T07:00:39","modified_gmt":"2017-10-24T20:00:39","slug":"rentvesting-on-part-time-incomes","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/rentvesting-on-part-time-incomes\/","title":{"rendered":"Rentvesting on Part-Time Incomes"},"content":{"rendered":"

Katrina and Shane Venables saw their lives transformed by one single visit from a kind financial consultant. With plenty of education, an out-of-the-box strategy and a willingness to make sacrifices in the short term, these rentvesting advocates share how they have been able to invest wisely in property \u2013 even on part-time incomes and with three tiny mouths to feed.<\/strong>
\nAs a young girl, Katrina Venables saw how brutal buying into the property market could be for a struggling family.
\n\u201cI saw my parents both working their butts off to pay off our family home. Dad was in the coal mines and mum was a cleaner,\u201d she explains.
\n\u201cThey are finally retired and both have chronic health problems, which means they aren\u2019t living their retirement in the active\/travelling style that they dreamt of. And that house never got paid off.\u201d
\nAfter starting her own family, Katrina was set to go down the same path as she and husband Shane began saving up for their own house. Before long, they realised they would need far more money to make a deposit than they had expected.
\n\u201cMy husband and I both work part-time and we have three kids aged under six. We both share the load of work and caring for the house and the kids, whilst renting a modest three-bedroom house for $440 per week,\u201d Katrina says.
\n\u201cLike anyone living with a commute to Sydney, we couldn\u2019t afford [to buy] anything on our part-time wages working in health and education. So we looked into investing in property whilst continuing to rent.\u201d
\nRemembering her parents\u2019 struggle, she decided that she didn\u2019t want to go through the same ordeal they did \u2013 slaving to pay off a house in the best years of her life, and in the process risking her own health as well as time with her family.
\n\"\"
\nThe revelation<\/strong>
\nTo better understand the property market relative to their situation, Katrina and Shane began to study up on property investing by subscribing to magazines, reading books and blogs, attending seminars and getting advice from other investors.
\n\u201cOne night we had a financial consultant come to our house to discuss how we could better spend
\nour savings and our super. Once he realised we were probably not in the most amazing financial position to be a part of his clientele with [our] quite low superannuation and savings balances, he gave us some personal insight into his property investment journey. He stayed until 11pm giving us a rundown on how property investing actually worked,\u201d Katrina explains.
\n\u201cI vividly remember him saying, \u2018If you were to buy this house you are living in now, it would cost you $800,000. That\u2019s repayments of $1,000 per week. You get to live here for $400 a week.<\/p>\n

\u201cI vividly remember him saying, \u2018If you were to buy the house you are living in now, it would cost you $800,000. That\u2019s repayments of $1,000 per week. You get to live here for $400 a week renting. Why would you want to buy your own house?\u201d<\/em><\/h2>\n

Why would you want to buy your own house, seriously?\u2019 \u201d
\nThis fateful visit set off a light bulb in Katrina and Shane\u2019s heads, and the couple was sold on the concept of rentvesting, which involves choosing to rent a dwelling in your preferred neighbourhood while investing in a different property somewhere more affordable.<\/p>\n

\u201cWe knuckled down and saved; $500 went out of our account into our savings account every week no matter what!\u201d<\/em><\/h2>\n

\u201cWe knuckled down and saved; $500 went out of our account into our savings account every week no matter what! We committed to the goal of rentvesting and learnt to go without. After two years, we had $50,000,\u201d Katrina says.
\nBy setting aside that weekly amount, she estimates that they will be able to squirrel away around $25,000 per year in savings every year \u2013 the equivalent of a deposit for a property every couple of years.
\n\u201cIt just makes sense to us to rentvest. We could continue living happily in the suburb we love, [and be] close to great schools, parks and the beach. At $440 per week, it\u2019s a steal for the area. And we can save the money we would be paying if we had a mortgage, and buy properties with that,\u201d Katrina explains.
\nSticking to a formula<\/strong>
\nKatrina admits that most of the couple\u2019s friends thought they were making the wrong move by choosing not to purchase their own home and to continue paying a landlord.
\n\u201c[They say] \u2018Oh, you\u2019re only renting\u2019, like we\u2019re poor. And I guess we sort of are poor, compared to a lot of friends, when it comes to net income. We understand that we can\u2019t afford properties close to major cities that will last 30 years without too much maintenance.\u201d
\nTo help them find the right first property to invest in, given their limited combined income of just $80,000, Katrina and Shane initially sought help from a third party.
\n\u201cThey were like a buyer\u2019s agent but got their money through the developer if they sold a property to us. The woman who owned the company was extremely convincing and had an excellent sales pitch. I gave them our brief for a property and on two occasions we signed for a new-build property, only to find out it didn\u2019t fill our brief.\u201d
\nWhile the couple did their best to trust the agent\u2019s expert advice, her lack of belief in their formula and criteria was a concern. In the end, their commitment to their vision won out and they chose to proceed without using a third party.
\n\u201cThe two properties just didn\u2019t feel right. And really, I can\u2019t help but feel that a company that gets a commission from the developer doesn\u2019t have the buyer\u2019s best interest in mind,\u201d Katrina says.
\n\u201cI think my biggest lesson is to believe in yourself if you are well educated. We really have invested a lot of time into educating ourselves on property investment, and just needed to trust in our formula.\u201d
\nFollowing their experience with the buyer\u2019s agent, Katrina tried taking matters into her own hands.
\n\u201cI put in an offer at our maximum amount in a suburb that scored very well on a website as a \u2018hotspot\u2019. I almost got this property but was outbid by $1,000. I\u2019m so glad I missed out, as six months on the suburb is way oversupplied due to a new estate that is being bought out by investors,\u201d Katrina says.
\n\u201cI knew the estate was going in, but I dismissed it. It was a volatile suburb and I didn\u2019t stick with my criteria but rather got caught up in the fact that one website told me it was about to \u2018boom\u2019.\u201d
\nThis near-disaster reminded Katrina of the importance of thorough research when investing in property, which eventually led the couple to Brisbane \u2013 regarded in 2016 as one of the fastest-growing corridors in the country.
\n\"\"<\/strong>
\nTaking action<\/strong>
\nWith guidance from OpenCorp director Cam McLellan\u2019s book, My Four-Year-Old The Property Investor, Katrina and Shane decided to work with a recommended mortgage broker who secured them a 92% loan with an 8% deposit. Even though they had to pay lenders mortgage insurance, the couple was on board.
\n\u201cAfter a week or so, we found a seven-year-old house on a 750sqm block in a suburb called Burpengary, 30km north of the Brisbane CBD. It met all our criteria \u2013 close to transport and schools, 10km from the new North Lakes satellite city, and only 24% of the suburb [was composed of] rental properties,\u201d Katrina says.
\n\u201cAll the numbers added up too. It was under the median for the suburb, plus there were tenants in place paying $395 per week.\u201d
\nKatrina and Shane were able to get the property for $388,000 after negotiating down the original asking price of $400,000. They also had to pay stamp duty, solicitor fees, and for building reports and other costs, but in general they considered the post-purchase experience to be smooth. Katrina also found setting up a depreciation schedule for tax time to be useful.
\nNow that the Burpengary property has been settled, Katrina is focusing on cultivating good relationships with her tenants and managing agency.<\/p>\n

\u201cWe are committed to buying the best property we can on our budget \u2026 with the intention of never selling\u201d<\/em><\/h2>\n

\u201cThe tenants have just signed another 12-month lease, and they were sent wine and chocolates for their patience during the sale of the property,\u201d she says.
\nWhile the couple have finally found the perfect anchor property for their budget, Katrina admits that she and Shane could stretch their budget further if they both added another workday to their schedule. This move alone would allow them to save a further $20,000 each year, boosting their deposit and increasing their borrowing capacity.
\nHowever, their number one priority is their daughters \u2013 Molly, Bonny and Daisy \u2013 so they\u2019re content to work fewer hours and earn less money until their kids are all at school.
\n\"\"
\nWork smarter, not harder<\/strong>
\nWith a solid long-term strategy that will see them hold on to their investment for the long term, the couple is now saving up again for their next investment. They are looking into buying one additional property every two years before riding the wave of rental income into retirement.
\n\u201cOur goal is to retire in our mid-50s and live off the rental income so we can continue to enjoy renting and time with our kids and each other. We are committed to buying the best property we can on our budget and sitting tight with steady growth for the next 25\u201330 years, with the intention of never selling,\u201d Katrina explains.
\nIn hunting for property number two, the pair plans to stick to McLellan\u2019s advice, which is to go for affordable new houses that are close to amenities and public transport in tightly occupied suburbs. As they hit their 40s in the next \ufb01ve years, Katrina and Shane aim to become the owners of four properties with a net worth of approximately $2m.
\n\u201cThe saying \u2018Work smarter, not harder\u2019 comes to mind when I think about our retirement plan. By rentvesting, we can continue to work part-time and spend the time with our kids in these years when they are young and at their greatest learning potential and growth.
\n\u201cAlso, we have time to enjoy the things we like whilst we are fit and healthy,\u201d Katrina says.
\nShe adds that their children are getting direct early lessons in property investment from their parents in order to take care of their future inheritances.
\n\u201cWe talk regularly to them about what we are doing financially as they will be reaping the benefits of our strategy \u2013 and they better not blow it!\u201d Katrina laughs.
\nFor more articles like this, visit\u00a0www.yourinvestmentpropertymag.com.au<\/a>
\nOriginally published as: http:\/\/www.yourinvestmentpropertymag.com.au\/success-stories\/rentvesting-on-parttime-incomes-237154.aspx<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Katrina and Shane Venables saw their lives transformed by one single visit from a kind financial consultant. With plenty of education, an out-of-the-box strategy and a willingness to make sacrifices in the short term, these rentvesting advocates share how they have been able to invest…<\/p>\n","protected":false},"author":176692471,"featured_media":14227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13,31],"tags":[70],"class_list":["post-14225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-story","category-your-investment-property","tag-featured"],"yoast_head":"\nRentvesting on Part-Time Incomes - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/rentvesting-on-part-time-incomes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rentvesting on Part-Time Incomes - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"Katrina and Shane Venables saw their lives transformed by one single visit from a kind financial consultant. With plenty of education, an out-of-the-box strategy and a willingness to make sacrifices in the short term, these rentvesting advocates share how they have been able to invest...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/channels.realty.com.au\/realtytalk\/rentvesting-on-part-time-incomes\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty Talk\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-24T20:00:39+00:00\" \/>\n<meta name=\"author\" content=\"rolanrush\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rolanrush\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/\"},\"author\":{\"name\":\"rolanrush\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"headline\":\"Rentvesting on Part-Time Incomes\",\"datePublished\":\"2017-10-24T20:00:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/\"},\"wordCount\":1814,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Featured\"],\"articleSection\":[\"Latest Stories\",\"Your Investment Property\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/\",\"name\":\"Rentvesting on Part-Time Incomes - Realty Talk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2017-10-24T20:00:39+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/rentvesting-on-part-time-incomes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rentvesting on Part-Time Incomes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\",\"name\":\"Realty Talk\",\"description\":\"Your Trusted Voice For Property Investing. 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