Telstra's 2006 NSW Businesswoman of the Year, Margaret Lomas has a diploma in financial advising, a certificate in investment property advising and is a Senior Associate with FINSIA. Her company, Destiny Financial Solutions, has 14 branches across Australia, and assists people to acquire successful property portfolios through comprehensive education, support and mentoring. Margaret is a bestselling author and a regular commentator in the national media on real estate investing and financial planning.

About the author. Acknowledgements. Part I. 1. They call me lucky. 2. Property yields. 3. Balancing the cash flow and the growth. Part II 4. The 20 Must Ask Questions(r) Question one: What is the cash flow of the area, generally speaking? Question two: What is the vacancy rate of the area? Question three: What are the infrastructure plans for the future? Question four: What is the population, population growth and demographic mix? Question five: What is the competition? Question six: What are the trends? Question seven: Is there economic vibrancy in this area? Question eight: Is this area close to a large town or city? Question nine: Is there a diversity of industry in town? Question ten: If this is a niche market property, is there a second end use? 5. Halfway there! Question eleven: Does this property match your personal risk profile? Question twelve: What financing arrangements can I access for this property? Question thirteen: Is the property at market value? Question fourteen: Who is the builder or developer? Question fifteen: Is there a rent guarantee? Question sixteen: What will the property management arrangement be? Question seventeen: What is the age of the property and what condition is it in? Question eighteen: Is the property tenant-friendly? Question nineteen: What are the title arrangements? Question twenty: Am I being commercial in my approach? Part III. 6. Growth drivers. 7. The bits that did not fit. Your risk profile. Index.