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Mortgage broker Oak Laurel Carseldine, Carseldine QLD 4034, 0430 129 662 So me, I'd always chase capital growth to have a cash flow, but ideally, if you can get both, then that would be what I'd be doing, and then you're looking at opportunity cost. If I've got 40 grand, for me, I look at granny flats unless they are absolutely necessary, they're for me, they're sort of the endgame, because that's when you might want to reduce debt and go into more of a consolidation phase than a cash flow generating phase. Phil: And I agree with everything Paul says Brett. You've got a couple of moving parts here. Number one is that you're still quite young and you've got two properties already, so you're on the runway and you're taking off. It might be a point right now and I don't know your personal situation or your aptitude towards risk is, but if you're making a shitload of money doing the job that you're doing, and at 23, I doubt you're making that much, but if you are and you've got plenty of ready cash to play with, go out there and chase growth. What do we invest in property? And Paul you touched on this, it creates wealth over time, right? There's no use investing in property for a good yield, if your properties aren't going up. And being in a city market, look, you're probably not going to go too bad there, I think.
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