2026 Free Guide | Negative gearing is dead — here's what smart WA investors are doing instead.
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For investors · Done for you

Cashflow-positive property, done for you — end to end.

We source the deal, build the HMO, and fill the rooms — a complete, guaranteed pathway to positively geared property across Perth and Melbourne. You show up to the strategy call. We handle the rest.

The complete solution
  • We source the right deal & site
  • We manage the entire build
  • We furnish & photograph it
  • Living Rooms fills every room
  • Backed by three guarantees
One team · Start to cashflow

● RECOGNISED FOR IT

Winner · REIWA Innovation Award 2022 Winner · 2023 Winner · 2024 Finalist · 2025
The opportunity

Growth without cashflow is just waiting

Most property gives you capital growth — but negative cashflow. You wait years for equity while feeding the mortgage every month. Co-living changes the equation.

Standard investment

Growth, but debt stays put

Capital grows slowly while your loan barely moves. Positive on paper, painful on cashflow — and reliant on the market doing the work.

Co-living HMO

Growth + debt that disappears

Multiple income streams from one asset pay the loan down and put money in your pocket from day one — while the property still grows in value.

The 2026 opportunity

Negative gearing didn't die.
It moved.

After the May 2026 Budget, negative gearing was preserved for new builds and phased out on established homes — making new-build co-living one of the only strategies that stays both negatively gearable and cashflow-positive. We've put the whole picture — what changed, what it means, and how to position for it — into a plain-English playbook.

General information only, not financial advice.

The 2026 Negative Gearing Playbook — cover
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Where the opportunity is now — and how to move on it.

Download the playbook
Free · PDF · 2026 Edition
The difference

The only true end-to-end solution

Most providers stop at handover and leave you to find tenants. We stay until every room is filled and paying.

01

We source it

The right site, in the right suburb, with the numbers to stack up — feasibility done before you commit.

02

We build it

End-to-end project management to our proven room standard, furnished and photographed, ready to lease.

03

We fill it

Our own housemate-matching service places quality residents in every room — so you're cashflow-positive fast.Living Rooms →

● RECOGNISED FOR IT

Winner · REIWA Innovation Award 2022 Winner · 2023 Winner · 2024 Finalist · 2025
How it works

One proven process, three phases

The same path we've walked with hundreds of investors — from knowing your numbers to a self-funding portfolio.

01

Clarify

Your position
  • Goals & vision
  • Borrowing capacity
  • Strategy session
02

Create

Idea to income
  • Search & feasibility
  • Project management
  • Fit-out & photos
03

Cashflow

The cashflow cycle
  • Tenant management
  • Cashflow & debt reduction
  • Refinance & go again
The numbers

What this builds over time

Illustrative, debt-free scenarios based on real client trajectories. Your outcome depends on your strategy, borrowing capacity and the market.

1 HMO · Fast Track
$2.8M
Unencumbered asset base
Annual cashflow~$120k
Timeframe12–15 yrs
3 HMOs · Wealth Builder
$8.6M
Unencumbered asset base
Annual cashflow~$384k
Timeframe14–17 yrs
5 HMOs · Legacy Builder
$15.9M
Unencumbered asset base
Annual cashflow~$620k
Timeframe16–19 yrs
Premium Concierge Service

Three guarantees. Real money behind every one.

Money-Back
100%
Full refund — no fine print
  • Covers the entire planning process
  • Valid if finance can't be secured
  • Up to signing offer & acceptance
Rental
4 wks
Rooms filled — or we pay
  • 75% weekly room rate on any room vacant past 4 weeks
  • Paid until every room is leased
Build-Time
$500/wk
Paid for every week we overrun
  • Benchmarked 12–16 months
  • Up to $3,000 if we miss the deadline
On time. On budget. Tenanted. Guaranteed.
Prefer to learn first?

The Coliving Cashflow Academy

Want to understand the model before you commit? Learn the exact system yourself — and your Academy fee is credited toward Concierge if you upgrade. Start with two modules, free.

● RECOGNISED FOR IT

Winner · REIWA Innovation Award 2022 Winner · 2023 Winner · 2024 Finalist · 2025

Ready to start?

Book a strategy call. We'll look at your borrowing capacity, your goals, and what's realistically achievable — then map the pathway from there. Here's what happens next:

1 · Welcome & onboarding 2 · Meet your finance specialist 3 · Strategy session