11
Part 11 of 12 · Growth
Scaling Up: Structures, Serviceability and Running a Growing Portfolio
Somewhere between three and five properties, the questions change. The limit stops being the deposit and becomes serviceability, lender spread, structures and how well the portfolio runs as one unit. This guide covers what changes, how Eddie spread 30 properties across seven lenders, and how two client families scaled.
Inside this guide
- Why serviceability, not the deposit, becomes the limit as a portfolio grows, and how lenders assess you in 2026
- How to balance low yield and high yield properties so the portfolio works as one unit
- How Eddie spread 30 properties across seven lenders and held a buffer in each account
- The main ownership structures, including SMSFs, with the current rules and warnings
- How to run a portfolio like a business: property managers, tenancy rules, insurance and tax
- What scaling looked like for two client families
Tools in this guide
Portfolio scaling checklist (each unticked item is a task before your next purchase) and the worksheet Lender and buffer map. Review both every year and before every purchase.
Your next step
If your portfolio has reached the point where structure, finance and sequencing matter more than any single property, talk to the Dilleen Property team about your property strategy and the support we provide.
Up next
Part 12 · Protect and Plan
Read Part 12 →
Your next step
Discuss your next purchase.
For investors whose next step depends on structure, finance and sequencing.
Talk to the team →
On your reading path: Your library
Ownership structures and SMSFs carry significant legal, tax and compliance obligations. Get advice from a licensed financial adviser, accountant and solicitor before choosing a structure.
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.