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No B.S. Property Investing
Welcome to The No B.S. Property Investing podcast (brought to you by Ripehouse Advisory) - where data replaces guesswork and strategy beats speculation.
Join your host, Julian Nicolitsis (Head of Strategy at Riphouse Advisory), as we cut through all the property investing fluff and nonsense - bringing you proven strategies helping everyday Australians build legitimate property portfolios.
Each episode delivers actionable intelligence on what actually moves the needle.
We also expose the costly mistakes that trap first-time investors and share the data patterns that predict sustainable growth.
Whether you're comparing rentvesting returns, decoding interest rate impacts, or understanding why most property investors never buy a second property - you'll get the unfiltered, no B.S. truth backed by real numbers.
Hit subscribe for data-driven property investing insights and tips that successful investors use. New episodes drop every week.
Your first investment property is closer than you think.
No B.S. Property Investing
4 Properties At 24: Top Aussie Broker Reveals Her No B.S. Property Investment Strategy
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
Less than 10% of investors own more than one property. Natasha Choi owns multiple.
She started at 22, and did it all while raising a family and running a growing career in finance.
In this episode of The No B.S. Property Investing podcast, we sit down with Natasha Choi, senior investment lending manager at the Australian Lending & Investment Centre(ALIC) - and one of Australia's top-performing brokers.
Natasha opens up about her property investing journey… from buying her first investment property at 22 to building a diversified portfolio.
All while raising a family and breaking norms in the male-dominated finance industry.
If you’re a first-time property investor, considering rentvesting, or confused about things like LMI, guarantor loans, or the buy vs. sell property debate, this episode is a must-listen.
Tune in to hear about:
✅How Natasha started investing in property at just 22 years old
✅The role of buyers advocates and how they helped her build a strong portfolio
✅How to use Lenders Mortgage Insurance (LMI) strategically
✅What is a guarantor loan, and how parents can help kids get started
✅Insights into cash flow management and budgeting for investors
✅Why rentvesting can be a smarter move than buying your dream home
✅The difference between good debt vs. bad debt
Natasha also shares how her migrant family background shaped her conservative mindset around money and debt - and how she broke through with education, expert guidance, and early action.
Key moments:
00:00:00 Meet Natasha Choi
00:03:00 Breaking Free From "Debt Is Bad" Thinking
00:05:40 Why Financial Literacy Isn't Taught
00:07:40 First Investment at 22
00:11:20 Why She Used Professionals Early
00:14:00 Her Biggest Investment Mistake
00:17:20 How Young People Can Start Today
00:21:20 The Guarantor Pathway
00:24:00 When to Hold vs Sell Property
00:25:20 The Rentvesting Strategy
Hit play now and discover why the best time to invest was yesterday - and the second-best time is today.
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👉Get In Touch With ALIC
https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up
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👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:
https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025
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✅About Natasha From ALIC✅
Natasha is a seasoned finance professional with over a decade of experience.
She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies.
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✅About Ripehouse Advisory✅
Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.
With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.
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✅Contact Ripehouse Advisory✅
https://www.ripehouseadvisory.com.au/