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The Freedom Brief
Private Letter from Ron Coleman | Week of 15 September 2026
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Strategic Thinking
Rent where your career is.
Own where it makes you money.
You earn $200,000. You rent in Sydney for $650 a week because that is where the career is. Every dollar of that rent is the cost of proximity to income. But you do not need to buy where you live. You need to buy where it makes you money.
One block. Two front doors. A tenant in each.
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A brand-new house and granny flat in regional Victoria. One title. One mortgage. Two leases. Combined rent covers the repayments. The gap is the size of a coffee a day. Then depreciation hits. Two new kitchens, two new bathrooms — all deductible. At your marginal rate, the ATO hands back thousands in year one. The property goes from costing nothing to putting money in your pocket. From July 2027, this only works with new builds. Established property loses the negative gearing benefit entirely. The window is open. It will not stay open.
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The Bottom Line
“You do not need two properties to get two incomes. You need one block and two front doors.”
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The structure is simple. The numbers are real. And the tax window for new builds will not stay this generous forever. One call. I will show you what this looks like with your income, your deposit, and a deal available right now.
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An Asset That Still Works
Dual income. Brand new.
Regional Victoria · House & land
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Package Price
$804,990
Land $270,000 · House $534,990
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Forecast Gross Yield
6.6%
Forecast, gross of holding costs
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Forecast Rent
$1,020 p.w.
House $590 · Flat $430
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Structure
4 Bed + 2 Bed
Main 159.58 m² · Flat 59.53 m² · Land 744 m²
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A Conversation
Curious about where to start? Let’s have a chat.
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Because in the end, this was never really about property.
It is about freedom. Property is simply the vehicle — and while supply stays this far behind demand, it remains the most dependable one we have. Governments will keep changing the rules at the edges. The fundamentals underneath have not moved.
Bricks and mortar keep paying the income, building the equity and funding the life you actually want. The people who keep building quietly through the noise are the ones who end up free.
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To your freedom,
Investor · Developer · Qualified Valuer
Mobile: 0418 813 825
Website: www.colemaninvest.au
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About Ron
After nearly three decades in real estate, Ron realised selling houses did not change lives. Building freedom did.
That is why Coleman Invest exists. Not to chase transactions — to help people build income, resilience and optionality.
Cash flow first. Freedom follows.
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© 2026 Coleman Invest | Private Investment Office
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