05
Part 05 of 12 · Education · The flagship guide
The Three Keys
This is the framework behind every purchase Eddie made: buy below market value, with strong cash flow, in a location with growth potential. The guide explains each key properly, tests it against September 2026 prices and current investor rates, and ends with a scorecard you can run on any property before you make an offer.
Inside this guide
- What below market value really means, how instant equity is created, and what it isn't
- How to calculate gross and net yield, and read every line of a cash flow sheet
- An honest look at negative gearing, including the reform that starts on 1 July 2027
- Why two cheaper, higher yielding properties can beat one expensive one
- What median priced houses and units in five capitals look like on paper at September 2026 values
- A real deal that passed all three keys, and how to score your own shortlist
Tools in this guide
Worksheet 1: The Three Keys property scorecard. Score each key 0 to 5; any key at 0 or 1 is a stop, and 11 or more out of 15 is worth taking further. Worksheet 2: a blank cash flow sheet.
Your next step
Use the scorecard on the next property you look at, before you fall in love with it. Then read Part 6 to understand how a lender will see the same purchase.
Already own a few properties? Talk to the team about checking them against the Three Keys →
On your reading path: Your library
Changes to negative gearing and the capital gains tax discount start on 1 July 2027 and include transitional rules. How they apply depends on when and what you buy. Seek tax advice.
General information only. Not financial, credit, tax or legal advice. Historical examples are not a reliable indicator of future results. See the important information inside the guide.