Start with the home that becomes your coliving build.
A new-build home in Perth or Melbourne, chosen and laid out from day one so it can grow into coliving later. Standard residential, standard lending, a smaller deposit. Same team. Same destination.
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✓New build onlyA convertible 4×3 or a dual key, in locations we already work in.
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✓An ordinary assetA standard residential dwelling with ordinary lending and valuation.
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✓Leased and managed for youLiving Rooms leases it as a standard home now, and as a coliving home once it's converted.
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✓Two guarantees100% Money-Back and Build-Time, from the outset.
The market moved fast. This keeps you moving with it.
Coliving still works, and a full coliving build is still where we want every client to end up. But the entry point has shifted, and plenty of good investors are ready to start before they're ready for a full build.
Build costs climbed
A full new-build coliving home is a bigger number than it was eighteen months ago, and the deposit has climbed with it.
Waiting has a cost
Saving for two or three more years means two or three more years of rent, growth and equity you're not collecting.
The gearing rules split
The government has proposed ending negative gearing on established properties from 1 July 2027, while new builds keep it. Buying established and renovating no longer adds up the way it did.
Negative gearing didn't die. It moved. The full breakdown is in the Negative Gearing Playbook.
One road. Some people just join it further back.
Everything we do runs toward the same place: a coliving home earning coliving cashflow. What differs is where you join the road, and how long you're on it before you get there.
The Cashflow Foundation isn't a lesser option. It's the same road, joined a step further back.
Two build types, both chosen for where they can go next
These aren't off-the-shelf house and land packages with a coliving label on them. The layout is the whole point.
The convertible 4×3
A four-bedroom, three-bathroom new build laid out so it can be reconfigured into a five-room coliving home later, without tearing the plan apart.
- Leased as a standard family home from handover
- Holds the new-build gearing position
- Bathroom and living zones placed for the later conversion
- Conversion management included if you convert within five years of build completion
Dual key
Two self-contained dwellings on one lot. Two tenancies and two incomes from settlement, so one vacancy never leaves the whole property empty.
- Two leases, two income streams
- Less exposure to a single vacancy
- A standard residential dwelling with ordinary lending
The full coliving build
A purpose-built coliving home, leased by the room and managed by Living Rooms, is still the core of what we do. It's where most Cashflow Foundation clients are heading.
What we do for you
The same three-step process our coliving clients go through, built around a first asset. You don't project-manage anything.
Finding and matching the asset
- Site sourcing
- Builder selection
- Package selection
- A strategy session on what to invest in, where and when, mapped against getting you into a coliving build
The people around the deal
- An introduction to a trust adviser and accountant, if a trust structure suits you
- An introduction to our specialised finance strategists
- Leasing and management through Living Rooms, as a standard lease now and as a coliving home once converted
- The 100% Money-Back and Build-Time Guarantees
A road map to the end goal
Every part of this is built around getting you to a coliving build, not around getting one property across the line and moving on. We're here for the long road, not the quick win.
Position first
Borrowing capacity confirmed with a finance strategist before anything is chosen. No point looking at plans you can't fund.
Match the asset
We show you the packages we work with and where each one can go, so you choose for the position you want in three to five years.
Leased and managed
Handed to Living Rooms at handover as a standard residential lease, and managed as a coliving home later if you convert.
You're covered on finance, and you're covered on build time.
Two guarantees sit behind every Cashflow Foundation build.
100% Money-Back Guarantee
If we can't get your finance across the line, you're not out of pocket. You're covered on finance from the outset.
Build-Time Guarantee
Your build is committed to a timeframe, not an estimate. You're covered on build time.
Alongside the guarantees, you're holding an ordinary asset: a standard residential dwelling you can sell to an owner-occupier, a conventional building contract with the statutory protections that apply to any new residential build in your state, and ordinary residential lending and valuation.
We're beside you at every step, and we don't leave at handover.
From the first strategy session to the day it's leased, then through the hold and into the step up. The whole point of the Cashflow Foundation is the second act, so we stay for it.
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01Strategy sessionYour position, your goals, your real numbers
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02Finance and structureFinance strategist and trust adviser introductions
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03Asset matchedSite, builder and package selected with you
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04Build and leaseManaged to handover, then leased by Living Rooms: residential now, coliving later
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05Into colivingConvert, or use the equity for a full coliving build
The ones we get asked most
Is this just a cheaper version of a coliving build?
No. It's an earlier step on the same path. The home is chosen for what it can become, and the point is to put you in a position to do a full coliving build sooner than waiting would.
Why new builds only?
Two reasons. New builds keep the gearing position that established purchases are set to lose. And a home designed to convert is far simpler to convert than one that wasn't.
Can a 4×3 really become a five-room coliving home?
The layout is designed to make it possible, and we choose plans with that in mind. Conversion still needs the relevant building and planning approvals, and the requirements differ between WA and Victoria. We'll walk you through what applies to your location on the call, before you commit.
Is this a rooming house?
No. What you buy is a standard residential dwelling in both WA and Victoria, with ordinary residential lending. Those questions only come up if you later convert. In Victoria, a converted home leased by the room to four or more people is a registered rooming house, and our conversions are built to meet that standard.
Who manages the property?
Living Rooms, our own management arm. They lease and manage it as a standard residential home from handover, and as a coliving home once it's converted.
What does it cost?
Prices, deposits and returns move, and they differ between Perth and Melbourne, so we don't publish them here. You'll get your real numbers on a strategy call.
Let's find out where you'd actually start.
A 30-minute strategy call covers your borrowing position, your goals and which path is realistic for you this year. If a full coliving build is already within reach, we'll tell you that too.
General information only. It does not take into account your objectives, financial situation or needs and is not financial, tax or legal advice. Consider whether it's right for you and seek professional advice before making any investment decision.