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Ever wondered why some investors keep buying while others get stuck early? It usually comes down to borrowing power — not motivation or money. In this episode, I explain why most people hit a ceiling and how to break through.💡 Banks don’t assess your real-life cash flow. They use buffers, discounts, and stress tests that can shrink your borrowing power without you realising. ⚠️ In this video, I cover: 📊 How lenders calculate your capacity — and why it doesn’t match reality 🏦 Tier one, two, and three lenders — and how choosing wisely helps you scale 💸 Practical ways to boost your capacity: income, debt, loan terms, and smarter cash flow moves 🧠 Why top investors treat lending as a long-term strategy 🚦 What limits people at property #2 or #3 — and what to do if you’re there Feeling capped or unsure how to progress? Don’t stress — it’s a sign you need a smarter approach. 💪 Watch our previous episode here! How I Decide Which Ownership Structure to Use for Every Property: • Property Ownership Structures. Which one t... Follow us on our official social media accounts: JD Capital Website: https://www.jdcapitalaus.com.au JD Capital (Instagram): / jdcapital_ The Property Brew (Spotify): https://open.spotify.com/show/6XPhkpR...