Why Finance Structure Is The Game Changer for Building Portfolios with Ross Kilpatrick

Want to be a Buyer's Agent and work with property investors but not sure where to start?https://courses.juliecrockett.com.au/buyers-agent-course; Julie Crockett explains that recent government changes removing negative gearing and the 50% CGT discount for existing properties have left many investors uncertain, making cash flow a central focus for portfolio growth as servicing ability tightens despite strong equity. She argues buyer's agents can add value by prioritizing investor needs, coordinating with brokers and other advisers, and running detailed cash-flow analysis and due diligence, including builder checks, rates, insurance, rental demand, competing stock, overlays, zoning, and building inspections even for new builds. TOPICS DISCUSSED 01:15 Cash Flow New Priority

Want to be a Buyer's Agent and work with property investors but not sure where to start?https://courses.juliecrockett.com.au/buyers-agent-course Host Julie Crockett welcomes Frank Lin, director and senior financial planner at Xin Wealth, to discuss how strategic financial planning supports better property decisions and how buyer's agents, mortgage brokers, and financial advisers can collaborate. Frank shares his path from first-generation migrant with multiple master's degrees to becoming a financial planner after completing a financial services certificate, later building his own licensed firm. He explains that while all advisers aim to help clients, differing perspectives can create conflicting recommendations, making transparency, client-involved discussions, and avoiding conflicts of interest essential. Frank challenges property-count "financial freedom" narratives, noting most people can realistically buy only two or three properties and often remain leveraged through refinancing, leaving them exposed to rate rises. He addresses SMSF rule changes restricting borrowing for property, outlines alternative approaches, highlights tax motivations, and warns about commercial property risks. He also shares a near-death experience that shaped his worldview and a belief in his ability to predict likely outcomes. TOPICS DISCUSSED 01:20 Meet Frank Lin

Julie Crockett offers a free mini course, "Your Competitive Edge Is Your Brand" https://courses.juliecrockett.com.au/offers/3p4KX2GZ; Julie Crockett hosts the Buyer Agent Networks podcast for new buyer's agents and discusses negotiation tactics, especially in a buyer's market, where skilled sales agents can still create urgency and drive deals. She explains the shift from a seller's market (few listings, many buyers) to a buyer's market (more listings, fewer buyers), influenced by tax rule changes, higher interest rates, and low sentiment, and predicts it may intensify over the next three to six months. Key tips include treating every interaction with a sales agent as the start of negotiation, deeply uncovering vendor motivation and settlement needs, documenting and dating agent insights, using silence to elicit more information, establishing a client's walkaway ceiling without disclosing budget, negotiating on terms beyond price, and applying pressure by signaling near-top offers and the cost of further open homes while keeping clients informed throughout. TOPICS DISCUSSED 01:21 Negotiation In Buyers Market

Julie Crockett offers a free mini course, "Your Competitive Edge Is Your Brand" https://courses.juliecrockett.com.au/offers/3p4KX2GZ; Julie Crockett hosts the Buyer Agent Networks podcast and discusses why many buyer's agents are leaving as conditions shift from a seller's market to a buyer's market, especially after changes affecting property investors. She argues that transactional "churn-and-burn" agents are exiting, while authentic, trusted advisors will stand out by leading with strategy, rigorous research and due diligence, and strong values and branding. She advises agents to stay in their lane, build deep local expertise if location-specific, and refer clients to specialists when outside their scope. She highlights skill gaps created by sales-focused licensing, the importance of preparing clients for building/pest issues and low valuations, and recommends further training and supportive networks. For investors, She shares an Adelaide case where walking away from a flawed deal protected the client's strategy and built long-term trust and referrals. TOPICS DISCUSSED 01:24 Where Did Skilled Agents Go

Julie Crockett offers a free mini course, "Your Competitive Edge Is Your Brand" https://courses.juliecrockett.com.au/offers/3p4KX2GZ; Julie Crockett hosts the Buyer Agent Networks podcast for buyer's agents focused on professional, best-practice service and strategy-led, "borderless" operations. She discusses how recent tax changes affect the buyer's agent role and outlines differing best practices for owner-occupiers versus investors. For owner-occupiers, she emphasizes managing emotion, providing crystal-clear processes, detailed client checklists, strong communication, and comprehensive due diligence (e.g., fire, flood, heritage, noise) while helping families future-proof needs like schools, work access, lifestyle, and community. For investors, she stresses detailed goals and strategy sessions, a robust buyer brief, number-crunching, area research, CMAs, high-level due diligence, and clear communication, while noting outcomes cannot be promised. She predicts fewer transactional "property finder" models and more collaboration with accountants and financial planners to structure purchases and reduce tax risk. TOPICS DISCUSSED 02:43 Owner Occupier Mindset