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03 379 3939

 

Property Investment
 

David Tillman has been personally investing in property for 20 years which ensures that you are working with an experienced team. There are too many options to list here and the questions you have will be wide and varied.

Are you wondering what questions to ask?

 

Try picking a topic from David's consultancy services to Property Investors:

 

Every week I meet a wide range of property investors from those just starting out through to those that own numerous properties and on the surface know everything there is to know. I can help with education on the fundamentals of property investment through to exploring the next step such as commercial investment or creating a map towards financial goals.

 





Because we become emotionally attached to our thoughts and ideas it's good to have someone looking in from the outside to give us clarity.

 





Planning

 





What is the master plan? Start with the end in mind.





  • Wealth Creation
  • Income Goals
  • Graphing progress annually

 





Investing Strategies





  • Interest only v principal & interest
  • Timing when to buy, when to sell
  • Cash flow is king
  • Property Investment game (getting ready for the next boom)
  • Investing as a business, it either stacks up on numbers or it doesn't

 





Financing Strategies





  • Wave strategy for lowering interest cost
  • Structuring for taxation
  • Personal debt v deductable debt
  • Interest only v principal and interest

 



Risk Profile





  • Growth fast / slow
  • Gearing high / low
  • Investing style

 





Technical





  • How property investment works
  • Yield Calculation (Gross / Net)
  • Debt to Equity Ratios
  • Tenancy Agreements
  • Property Management
  • Property types (advantages / disadvantages)
  • Sensitivity testing
  • Dangers of get rich quick schemes
  • How to do the numbers in your head (or on the back of an envelope) when looking at a property

 





How a Banker thinks





  • Loan Value Ratios, UMI calc & Debt Servicing Ratios
  • Security Types
  • Presentation of an Application

 





Commercial Property





  • Lease Types & Terms
  • Property Types (Industrial, Office, Retail, Storage etc)
  • Tenants
  • Yields
  • Expenses
  • Calculating a Property's Value

 





Debt Reduction





  • Debt consolidation
  • Making a little go a long way
  • Putting a plan together
  • Tracking your progress

 





There are many areas in which people look for guidance and I'm happy to be flexible in my thinking. This can be either one on one or in groups e.g. part of a company's employee well-being sessions.

 

For more information and pricing feel free to contact David on (03) 379 3939 or david@dtml.co.nz

   

David Tillman

Director

 

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