How many properties until your job is optional?
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The $100,000 target, worked in full
Buy six. Hold eight years. Sell two. Keep four, owned outright.
Fifteen years is the conservative version. Handle clients target the eight year end of that range, because the timeline is set by how you buy, not how long you wait. This is a modelled worked example, not a promise. The guide shows every assumption behind it.
You will not save your way to a portfolio that replaces your salary.
The portfolio has to fund the portfolio.
Buy about half as many again as you intend to keep, hold while the rent pays the loans down, then sell the extras to clear the debt on the ones you keep. Four kept outright, six bought.
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Rule one, on paper
What immediate equity actually looks like on a contract.
Every buyers agency says it finds good deals. Here is what that has looked like recently, and the number we are the only one willing to guarantee in writing.
Minimum $15,000, in writing
Every buyers agency says it finds good deals. Ours is the only claim you can hold us to before you pay us: a minimum of $15,000 in equity at settlement, guaranteed in writing. Our average across the book sits around $27,000.
We run the same playbook
Between us we hold 19 properties worth around $16 million, every one of them bought while we were still working full time in corporate jobs. That portfolio is the reason neither of us has to any more.
Do the maths on yourself in four minutes.
Passive income you want, divided by $25,000, times 1.5, minus what you own today. That gap is the actual plan. Everything else is detail. The guide walks you through it on your own numbers.
Inside the guide
What's Inside
The exact number of properties you need
A five line worksheet, walked through on your own numbers. Four minutes, and line one is the only place you can lie to yourself.
Why you have to buy more than you keep
The buy, hold, sell mechanics that fund a portfolio without twenty years of saving, worked in full on a $100,000 income target: buy six, sell two, keep four.
What rule one looks like on a real contract
Three real settlements, plus the $15,000 minimum equity guarantee we put in writing before you ever pay us.
Salary-funded vs portfolio-funded deposits
Decades of saving your own way there, or six purchases funded by equity the portfolio manufactures at contract.
All four rules, in one place
Everything that separates a portfolio that pays itself off from one that quietly stalls at property two or three.
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Who's behind this
We do not teach this. We live it.
AJ and Nik founded Handle Properties after property investing bought them out of their own corporate careers in under eight years. This is the same playbook, published exactly as it stands.
Nikhil Sreedhar
Ahijith Chandra
Handle is a research led buyers agency helping Australian professionals build portfolios that eventually make the job optional. Between us we hold nineteen properties worth around $16 million, every one of them bought while we were still working full time. That portfolio is what got us out, in under eight years.
Licensed buyers agency
Do not take our word for any of it.
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The exact number. Then the four rules.
Work out how many properties stand between you and optional, the buy, hold, sell mechanics that get you there in under a decade, and the equity guarantee we put in writing before you ever pay us.
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Handle Properties is a licensed buyers agency. We are not financial advisers, credit advisers, tax agents or superannuation advisers. Everything in this guide is general information and modelled illustration only. It does not take your objectives, financial situation or needs into account, and it is not a recommendation to buy, sell or hold any property or financial product.
All figures, including the buy six, hold, sell two, keep four worked example, are modelled, not promised, and past performance is not a guide to future performance. Property values can fall as well as rise. The equity at settlement figures shown are actual client results and do not indicate what any future purchase will achieve.
Before acting on anything in this guide, speak with your accountant, a licensed financial adviser and your broker.
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The Salary Replacement Map
Work out the exact number of properties standing between you and optional.