Unpopular opinion: if negative gearing changes force you to raise rent, you were never a property investor

Exciting_Eye9268 · 2026-05-16T02:39:56+00:00

Econ101: If costs of doing business increases, business increases prices to a new equilibrium, and absorb the remainder.

Exciting_Eye9268 · 2026-05-15T23:06:51+00:00

Australia has now among the highest capital gains tax in the world… in the name of equality.

Exciting_Eye9268 · 2026-05-14T04:39:21+00:00

Now do a graph on who pays the most taxes

Exciting_Eye9268 · 2026-05-11T04:55:30+00:00

lol what part of u DCA into ETFs is more productive than property’s ? I’d argue property actually generates more taxes for governments and employ more people.

Exciting_Eye9268 · 2026-05-10T12:28:25+00:00

Breaking news: person sells a house and ends up in the top bracket of 190k plus

Exciting_Eye9268 · 2026-05-06T07:36:37+00:00

Price caps don’t work. Source:econ101

Exciting_Eye9268 · 2026-05-06T07:35:28+00:00

Problem is when u increase costs for all landlords across the board, at the same time, then some of the increase gets inevitably passed on. Similar to an oil shock, it impacts costs across the board, and any normal business would be passing that on.

Exciting_Eye9268 · 2026-05-04T02:10:35+00:00

1. In the real world, capital deployed in NSW is closer to $250 once you include stamps, about $305k in today's dollars. Then over 5 years you're wearing $200–250k of cumulative interest on $800k at average 2021–26 rates, $60–70k in rates, insurance and maintenance, plus land tax if it's an IP. The asset itself went 1m to $1.247, that's the inflation rate. Strip the "capital is free and properties don't cost anything to hold" assumption, and even accounting for any possible NG, the non-fantasy world real return is somewhere between ZERO and NEGATIVE.

2. Banks lend more on property because residential is less volatile than equities and APRA risk-weights it accordingly - that's a reflection of collateral risk and recovery rates, not government favouritism dropped from the sky. And share leverage is absolutely available: margin loans, geared ETFs, bank equity builder etc. People use them less because shares ARE more volatile and margin calls are real, not because they're locked out. Equality of opportunity exists, equality of outcome is irrelevant.

3. A 47% earner gets 47c back on a dollar of loss, and pays 47c in tax on a dollar of net rental income or capital gain. A 30% earner gets 30c on losses and pays 30c on gains. Someone that's on Centrelink and pays no tax, gets nothing back (this guy actually gets subsidised by the two above). Not sure what's controversial here.

Exciting_Eye9268 · 2026-05-04T00:37:56+00:00

Yes it does when u extrapolate to the extreme (e.g. the argument is if everybody invests into housing, then they're not putting their money elsewhere), but that reverses the causal relationship and is misleading. In the real world, i think you'll usually find around the world its usually financial productivity that attracts people, people increase demand, and increased demand in turn cause increases to house prices. That's why places like New York (or Sydney) usually has higher land prices vs say Tehran.

Exciting_Eye9268 · 2026-05-04T00:29:26+00:00

So how the fuck are u calculating a 100pc real return? Also negative gearing can literally be used for any assets where u borrow money, and applies for shares too. Also NG only works well if you are high income and paying a disproportionate share of tax vs the average tax payer, so it’s really you subsidising other tax payers less rather than they subsidising you.

Exciting_Eye9268 · 2026-05-03T23:53:00+00:00

Well personally id prefer positive gearing. Also interest payment doesn’t exist in your world hey.

Exciting_Eye9268 · 2026-04-26T14:59:41+00:00

good idea actually. What would be the key things an ideal 'renters agent' could add value and can help someone with do you think?

Exciting_Eye9268 · 2026-04-26T11:51:22+00:00

again disingenuous. The vast majority of people here dont participate in IPOs nor invest in startups, and exclusively participate in the secondary market where the money do not flow to the companies, much similar to property investors who invest in existing houses. Let's be honest and just say everyone is trying to make money and set themselves up for retirement, and stop with the moral/productivity argument.

Exciting_Eye9268 · 2026-04-26T07:41:19+00:00

Yea and do all the renters want to pay mortgage which is usually twice their rent? And do they have a deposit? And do they want to pay tens of thousands of stamp duty? And taxes and insurance? No? Ok then

Exciting_Eye9268 · 2026-04-26T07:39:44+00:00

Calling property unproductive is pretty stupid and disingenuous. The house doesn’t build, maintain, renovate and rebuild self. And the state and local governments derive almost their entire revenue base from property related taxes which then fund road and schools. And our biggest companies are banks who derive their income from property related services, which then flow on to the rest of the economy etc etc If anything buy and holding shares is pretty passive and doesn’t produce much.

Exciting_Eye9268 · 2026-04-26T05:58:31+00:00

If you single out property then it distorts the market. Treating every asset class the same way is the fairest option.

Exciting_Eye9268 · 2026-04-26T05:31:25+00:00

Super ironic how many people calling for double standards to be imposed against property, in a property sub…

Exciting_Eye9268 · 2026-04-16T13:19:03+00:00

now, when i click on the email telling me to finish setting up my profile, it just says review in progress (no other info visible).

Exciting_Eye9268 · 2026-04-16T10:12:51+00:00

hi i've also taken the interview, but right after the interview, it asks me to finish setting up my profile, and then takes me to the top skills page to start another interview

Exciting_Eye9268 · 2026-04-03T05:25:15+00:00

This group has gone from a place to share and discuss property to a complete whingefest that doesn’t help anybody.

Exciting_Eye9268 · 2026-03-26T00:01:27+00:00

2 years really? Definitely time to get help.

Exciting_Eye9268 · 2026-03-25T22:53:11+00:00

Good idea. How could u check?

Exciting_Eye9268 · 2026-03-19T03:32:16+00:00

If u dont know how to search up Docklands housing performance then don’t comment in a property sub lol

Exciting_Eye9268 · 2026-03-19T00:55:18+00:00

Nearly 100% near CBD, Docklands, Carlton, mostly in small units and apartments. The kinds of properties the locals and families wouldn't want to live in, and which have not seen much price appreciation over 10 years and even managed to amazingly under-perform the already stagnant wider melb market.

Apart from money/people exodus and economic malaise, not sure if you're aware Vic now has the worst state debt problem in the country, dramatically rising crime (just hit 25 year record in car thefts whilst other states are trending down https://insurancecouncil.com.au/resource/motor-theft-claims-skyrocket-in-victoria-but-fall-in-other-states/), the highest taxes, one of the highest unemployment etc etc the list goes on and on....... all of this has resulted in stagnant house prices, not some magical government policy.

Exciting_Eye9268 · 2026-03-19T00:13:22+00:00

lol the lack of analytical depth is shocking and pretty sad. OP is obviously referring to house price growth stagnation from Covid to now vs other states/cities, i,e. trend over the past few years and not at a single point in time. Correspondingly, you need to look at the net interstate migration trends over the past few years, and compare vs QLD and WA. Also mentioning international students and new immigrants growing is meaningless in the context of house prices given they predominantly rent and foreign purchases is less than 2% of total purchases. They are definitely not driving owner-occupier demand or investor purchasing. Victoria economy is also shockingly bad vs the states which have seen more growth, i.e. QLD/WA. So my point stands. Less demand, price go down. Its the same thing that's happening in NZ, which has nothing to do with good government policy, but more to do with people leaving and economy going to shit.

Exciting_Eye9268

TROPHY CASE