Case Study: Rajesh & Amitha

When Rajesh and Amitha came to us, they weren’t beginners in property investing. In fact, they already owned five investment properties. But despite their experience, something didn’t feel right.

Two of their properties weren’t performing well, and with retirement only 10 years away, they knew they couldn’t afford to make slow or poorly structured decisions anymore. They wanted a smarter, more data-driven approach and they were also keen to explore investing through their Self-Managed Super Fund (SMSF) for the first time.

At 57, Rajesh works in the oil industry and Amitha is a school teacher. Their long-term goal was clear:
to build a property strategy that would generate $5,000 per month in passive income after retirement.

But SMSF investing added a new layer of complexity. Between strict lending rules, lower borrowing power, and compliance requirements, they weren’t sure where they could invest especially with Sydney property prices already sky-high.

They came to us looking for clarity, strategy, and a way to strengthen both their SMSF and their overall portfolio.

Even as experienced investors, Rajesh and Amitha were facing real challenges:

• Two underperforming properties in their portfolio
• SMSF borrowing limit of $750,000
• Confusion about which states still offered real growth
• Strict SMSF lending and compliance requirements
• Fear of overexposing themselves to the overheated Sydney market
• No structured, data-driven framework for selecting their next investment
   

They didn’t want another “okay” property.
They wanted a high-performing one.

We designed a customised, data-driven SMSF strategy focused on long-term capital growth and stable cashflow.

First, we analysed multiple states and growth corridors to find where their SMSF dollars would work hardest. Instead of following hype, we used performance data, infrastructure pipelines, supply trends, and long-term growth history.

We also worked closely with their mortgage broker to make sure:

• Loan structure was fully compliant
• Borrowing capacity was optimised
• Risk was carefully managed
• The chosen property met all SMSF lending criteria
   

Finally, we targeted a high-demand location close to shopping centres, transport, and key amenities an area with strong owner-occupier appeal and long-term growth fundamentals.

We secured a below-market-value, SMSF-approved investment property in a strong growth corridor and the impact was almost immediate.

Within just three months, the property increased in value by $40,000, confirming they had bought in the right place at the right time

More importantly, Rajesh and Amitha finally felt confident again—not just about this property, but about their entire investment strategy.

Even experienced investors can drift off course without the right strategy. Rajesh and Amitha’s story shows how a data-driven approach, smart market selection, and SMSF expertise can completely change the outcome especially when retirement is just around the corner.