Executive Summary
| Metric | Value | Context |
|---|---|---|
| Total Estimated Wealth | $1,239,265 | Net position (Assets minus Debt) |
| Total Property Assets | $1,718,000 | Includes Beecher & Narre Warren valuations |
| Total Liquid Capital | $604,326 | Funds available in Offset & Cash accounts |
| Total Debt Obligations | $1,083,061 | Combined ANZ and NAB investment loans |
Portfolio Balance Sheet
| Category | Asset / Liability Item | Balance | Bank |
|---|---|---|---|
| Asset | 141 Siding Rd (Main House + Unit) | $1,140,000 | — |
| Asset | 2/5 Jarrah Ct (Narre Warren) | $578,000 | — |
| Asset | NAB Refinance Cash Account | $326,210 | NAB |
| Asset | ANZ One Offset (Linked to Home Loan) | $278,116 | ANZ |
| Liability | NAB Loan #5539 (Investment) | -$454,700 | NAB |
| Liability | NAB Loan #7536 (Equity Release) | -$325,874 | NAB |
| Liability | ANZ Residential Home Loan | -$302,487 | ANZ |
Rental Performance & Growth
| Property | Prev. Rent | Current Rent | Growth (%) | Tenant Status |
|---|---|---|---|---|
| 141 Siding Road | $640 / wk | $655 / wk | +2.3% | Roger, Stormy & Lexie |
| 143 Siding Road | $530 / wk | $585 / wk | +10.4% | Michael & Ashleigh (Jan '26 step-up: $625) |
| 2/5 Jarrah Court | N/A | $560 / wk | Target Nov '25 | Open Market Projection |
Nov 2025 Cash Flow Scenarios
| Scenario | Active Units | Weekly Total | Monthly Est. | Annual Projection |
|---|---|---|---|---|
| Scenario A | 143 Siding Rd + Jarrah Ct | $1,145 | $4,961 | $59,540 |
| Scenario B | 141 Siding Rd + Jarrah Ct | $1,215 | $5,265 | $63,180 |
| Scenario C (Full Capacity) | 141 + 143 + Jarrah Ct | $1,800 | $7,800 | $93,600 |
| Property | Status | Weekly Rent | Monthly Income | Lease End | Notes |
|---|---|---|---|---|---|
| 141 Siding Road | Tenanted | $655/wk | $2,839/mo | Dec 17, 2026 | Roger/Stormy/Lexie |
| 143 Siding Road | Tenanted | $585/wk → $625 | $2,535/mo | Jan 17, 2027 | Michael/Ashleigh |
| Jarrah Ct (Narre Warren) | Renovating | $560/wk (proj) | $2,426/mo (proj) | TBD | Complete to unlock cashflow |
| Scenario | Monthly Income | Properties | Status |
|---|---|---|---|
| A) Current (Siding Road only) | $4,961/mo | 2 rented | Active |
| B) + Jarrah Ct Complete | $7,387/mo | 3 rented | Target |
| C) Full Capacity | $7,800/mo | 3 at market rate | Goal |
| Category | Amount | Notes |
|---|---|---|
| Total Debt | $1,083,061 | Mortgages, loans (ANZ + NAB) |
| Cash/Offset | $604,326 | Liquid reserves |
| Net Position | -$478,735 | Debt minus liquid capital |
🎯 Timeline to Siding Road
NOW — May 2026
Jarrah Ct Renovation
BLOCKS: Full cashflow unlock
$560/wk target
Jun — Aug 2026
Cashflow Stabilization
3 properties → $5,265+/mo
Sep — Oct 2026
Transition Planning
141 lease ends Dec 17
November 2026
🏡 MOVE TO SIDING ROAD
Live on property, off-grid operations
Key Contract Dates & Milestones
| Milestone Date | Event Description | Impact / Requirement |
|---|---|---|
| November 2025 | Jarrah Court Deployment | Target market entry at $560/wk as Primary moving to Rental. |
| January 2026 | 143 Siding Road Hike | Contracted increase to $625/wk commences. |
| 17 December 2026 | 141 Siding Rd Expiry | Roger, Stormy & Lexie lease ends. |
| 17 January 2027 | 143 Siding Rd Expiry | Michael & Ashleigh lease ends. |