Articles
Clear-eyed writing on rental law, property automation, and self-managing in Australia.
The Landlord Paradox
Why tenants paying your mortgage counts against you
APRA's 6x debt-to-income cap took effect 1 February 2026. The rule wasn't meant to bind for most lenders — it's binding anyway, through the banks' own caution. And the calculation underneath catches exactly the wrong borrowers: cash-flow positive, self-managing landlords whose tenants quietly service the loan.
Your Rental Expenses Are Scattered Across Five Accounts and Nobody Cares
You are the integration layer. The banks don't know. Your accounting software doesn't know. Only you know.
Why EOFY expense tracking for self-managing landlords is broken, and what it should look like instead.
I Automated My Rent Notices and I'm Never Going Back
The friction isn't complexity. It's repetition plus mild emotional load.
A self-managing landlord in Tasmania automates rent notices and discovers what friction really costs.
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