Ep 359: How Bad Does A Property Need To Be To Warrant Selling It? Investopoly podcast

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Ep 359: How bad does a property need to be to warrant selling it?

2d ago 32:28

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In this episode, Stuart tackles a tricky but important question: how bad does a property need to be to justify selling it?

If you suspect a property in your portfolio isn't investment-grade, Stuart walks through a step-by-step process to assess whether replacing it could make you significantly better off—after factoring in selling costs, stamp duty, buyer’s agent fees, and capital gains tax.

He explains how to:

Estimate your current property’s future return
Set a realistic benchmark for what investment-grade property should deliver (2% yield + 7% capital growth)
Weigh opportunity cost and transactional expenses
Use detailed scenario modelling to compare long-term wealth outcomes

He also highlights key questions to consider before making a decision:

Can you afford to upgrade to a superior asset?
Will underperformance materially impact your retirement plans?
Do you have enough time before retirement to justify the switch?
Could you hedge by buying a better asset now and selling the underperformer later?

This episode is packed with real numbers, smart frameworks, and cautionary insights. If you're unsure whether to hold or sell a lagging property, this is essential listening.

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