Interest rates are high, cost of living is high, and most investors with 100% lending are topping up their property every week. This episode of She Owns This breaks down exactly what a top-up includes, the triangle principle that explains why you can’t have everything, and five strategies to make your investment property work harder.

You'll learn:

• What a property top-up actually includes: mortgage interest, rates, insurance, management fees, maintenance and vacancy, not just the mortgage
• The cash flow triangle: why you can usually only have two of high growth, high yield and no deposit
• Interest-only mortgages: how they improve cash flow and when to switch back to principal and interest
• Using a larger cash deposit to get an NZ investment property to cash flow positive
• Adding a minor dwelling: when the extra rent covers the extra borrowing, and when it doesn’t
• Renovating for yield: how it can quietly turn a growth property into a specialist one
• Using Opes+ to model deposit size, interest-only and renovation scenarios side by side

A top-up isn’t a loss. It’s a contribution to an asset that should be growing faster than it costs you.

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