How To Keep Buying When The Bank Says You've Hit Your Limit

Most investors think the deposit is what stops them. It isn't. It's serviceability. And there's a loan in Australia that gets assessed on the rent your tenant pays instead of the money you earn.

In this video I explain lease doc loans properly. How the assessment actually works, why the rent has to cover the repayments with room to spare, and what documentation you do and don't need. The "no paperwork" version circulating online is wrong, and I explain what you genuinely still have to provide.

I go through the real economics. Why lenders typically fund 50 to 70 percent of the price, why the repayments sit close to a standard commercial loan, and where the cost actually bites. Then the structural trap almost nobody models: the major banks generally base the loan term on the length of the lease, and some don't count lease options in that calculation, so a 5+5+5 lease gets treated as a 5 year loan, while second tier lenders go up to 30 year terms.

I also cover the SMSF change that took effect on 10 August 2026, restricting limited recourse borrowing arrangements to business real property, and what that does to commercial demand.

And I spend real time on what can go wrong. Single tenant concentration, binary vacancy, lease expiry triggering loan expiry, refinance risk, and rising repayments. Because your serviceability was never assessed against you personally, and that cuts both ways.

By the end you'll know whether you're Ready Now, 3 to 6 Months Away, or Not There Yet.