{"version":"1.0.0","segments":[{"speaker":"Victor Lagos","startTime":3.24,"endTime":5.01,"body":"Welcome to the"},{"speaker":"Victor Lagos","startTime":3.24,"endTime":5.01,"body":"debt to financial freedom"},{"speaker":"Victor Lagos","startTime":5.01,"endTime":8.4,"body":"podcast. I'm your host, Victor"},{"speaker":"Victor Lagos","startTime":5.01,"endTime":8.4,"body":"Lagos, and the founder of Lagos"},{"speaker":"Victor Lagos","startTime":8.4,"endTime":11.61,"body":"financial. I've been in the"},{"speaker":"Victor Lagos","startTime":8.4,"endTime":11.61,"body":"finance and lending industry for"},{"speaker":"Victor Lagos","startTime":11.61,"endTime":15.06,"body":"16 years, and I've personally"},{"speaker":"Victor Lagos","startTime":11.61,"endTime":15.06,"body":"made financial mistakes and"},{"speaker":"Victor Lagos","startTime":15.06,"endTime":18.84,"body":"learn from them. I started this"},{"speaker":"Victor Lagos","startTime":15.06,"endTime":18.84,"body":"podcast to share stories and"},{"speaker":"Victor Lagos","startTime":18.84,"endTime":22.44,"body":"lessons on my own journey, and"},{"speaker":"Victor Lagos","startTime":18.84,"endTime":22.44,"body":"to share insights that may help"},{"speaker":"Victor Lagos","startTime":22.44,"endTime":25.65,"body":"others on their journey. And I"},{"speaker":"Victor Lagos","startTime":22.44,"endTime":25.65,"body":"interviewed people that I've"},{"speaker":"Victor Lagos","startTime":25.65,"endTime":28.95,"body":"connected with that share the"},{"speaker":"Victor Lagos","startTime":25.65,"endTime":28.95,"body":"same values and mission to help"},{"speaker":"Victor Lagos","startTime":28.95,"endTime":33.18,"body":"others create financial freedom."},{"speaker":"Victor Lagos","startTime":28.95,"endTime":33.18,"body":"My goal this podcast is to share"},{"speaker":"Victor Lagos","startTime":33.18,"endTime":37.41,"body":"raw, honest, transparent and"},{"speaker":"Victor Lagos","startTime":33.18,"endTime":37.41,"body":"helpful stories that you can"},{"speaker":"Victor Lagos","startTime":37.41,"endTime":41.01,"body":"relate to, and inspires you to"},{"speaker":"Victor Lagos","startTime":37.41,"endTime":41.01,"body":"take control of your finances"},{"speaker":"Victor Lagos","startTime":41.22,"endTime":44.52,"body":"and only have debt that brings"},{"speaker":"Victor Lagos","startTime":41.22,"endTime":44.52,"body":"you closer to financial freedom."},{"speaker":"Victor Lagos","startTime":46.08,"endTime":49.98,"body":"Everything on this podcast is"},{"speaker":"Victor Lagos","startTime":46.08,"endTime":49.98,"body":"general in nature. And for"},{"speaker":"Victor Lagos","startTime":49.98,"endTime":53.64,"body":"education purposes only. None of"},{"speaker":"Victor Lagos","startTime":49.98,"endTime":53.64,"body":"your personal objectives,"},{"speaker":"Victor Lagos","startTime":53.67,"endTime":57.66,"body":"financial situation or needs has"},{"speaker":"Victor Lagos","startTime":53.67,"endTime":57.66,"body":"been taken into consideration. I"},{"speaker":"Victor Lagos","startTime":57.66,"endTime":61.41,"body":"highly recommend you seek"},{"speaker":"Victor Lagos","startTime":57.66,"endTime":61.41,"body":"personal financial, legal"},{"speaker":"Victor Lagos","startTime":61.5,"endTime":65.76,"body":"taxation and credit advice"},{"speaker":"Victor Lagos","startTime":61.5,"endTime":65.76,"body":"before you take any action on"},{"speaker":"Victor Lagos","startTime":65.88,"endTime":71.22,"body":"what has been heard on this"},{"speaker":"Victor Lagos","startTime":65.88,"endTime":71.22,"body":"podcast. Welcome to Episode Nine"},{"speaker":"Victor Lagos","startTime":71.25,"endTime":74.43,"body":"of the debt to financial freedom"},{"speaker":"Victor Lagos","startTime":71.25,"endTime":74.43,"body":"podcast. I'm your host Victor"},{"speaker":"Victor Lagos","startTime":74.43,"endTime":78.0,"body":"Lagos. I'm also the founder of"},{"speaker":"Victor Lagos","startTime":74.43,"endTime":78.0,"body":"Lagos financial, which is a"},{"speaker":"Victor Lagos","startTime":78.0,"endTime":83.37,"body":"residential and commercial"},{"speaker":"Victor Lagos","startTime":78.0,"endTime":83.37,"body":"brokerage. Today, I've got Harry"},{"speaker":"Victor Lagos","startTime":83.4,"endTime":87.57,"body":"Benetto to come in, and he is"},{"speaker":"Victor Lagos","startTime":83.4,"endTime":87.57,"body":"the head of sales of PropHero."},{"speaker":"Victor Lagos","startTime":88.26,"endTime":91.26,"body":"And if you don't know what"},{"speaker":"Victor Lagos","startTime":88.26,"endTime":91.26,"body":"PropHero is, it's the next"},{"speaker":"Victor Lagos","startTime":91.26,"endTime":95.13,"body":"generation wealth platform. That"},{"speaker":"Victor Lagos","startTime":91.26,"endTime":95.13,"body":"simplifies property investing."},{"speaker":"Victor Lagos","startTime":96.15,"endTime":99.39,"body":"They've partnered with their"},{"speaker":"Victor Lagos","startTime":96.15,"endTime":99.39,"body":"clients for life to take care of"},{"speaker":"Victor Lagos","startTime":99.39,"endTime":102.57,"body":"the process end to end. Welcome,"},{"speaker":"Victor Lagos","startTime":99.39,"endTime":102.57,"body":"Harry."},{"speaker":"Harry Benetto","startTime":103.05,"endTime":104.37,"body":"Thanks for having"},{"speaker":"Harry Benetto","startTime":103.05,"endTime":104.37,"body":"me this morning."},{"speaker":"Victor Lagos","startTime":104.76,"endTime":108.06,"body":"No worries, right."},{"speaker":"Victor Lagos","startTime":104.76,"endTime":108.06,"body":"Look, I wanted to just share"},{"speaker":"Victor Lagos","startTime":108.09,"endTime":111.09,"body":"with the audience a little bit"},{"speaker":"Victor Lagos","startTime":108.09,"endTime":111.09,"body":"of our story, because we met"},{"speaker":"Victor Lagos","startTime":111.12,"endTime":114.3,"body":"last year. And we actually"},{"speaker":"Victor Lagos","startTime":111.12,"endTime":114.3,"body":"talked about doing a podcast"},{"speaker":"Victor Lagos","startTime":114.3,"endTime":117.51,"body":"back then. Yeah. But you know,"},{"speaker":"Victor Lagos","startTime":114.3,"endTime":117.51,"body":"at the time, I hadn't even"},{"speaker":"Victor Lagos","startTime":117.51,"endTime":120.39,"body":"started this one yet. And I"},{"speaker":"Victor Lagos","startTime":117.51,"endTime":120.39,"body":"really liked what PropHero was"},{"speaker":"Victor Lagos","startTime":120.39,"endTime":125.19,"body":"doing. And it sort of came to my"},{"speaker":"Victor Lagos","startTime":120.39,"endTime":125.19,"body":"attention because my old boss,"},{"speaker":"Victor Lagos","startTime":125.73,"endTime":129.81,"body":"his client was your current"},{"speaker":"Victor Lagos","startTime":125.73,"endTime":129.81,"body":"boss, which is the founder of up"},{"speaker":"Victor Lagos","startTime":129.81,"endTime":134.76,"body":"here, his name is Michael, Hey,"},{"speaker":"Victor Lagos","startTime":129.81,"endTime":134.76,"body":"guy, very small world. And what"},{"speaker":"Victor Lagos","startTime":134.76,"endTime":137.34,"body":"I like I guess the point of"},{"speaker":"Victor Lagos","startTime":134.76,"endTime":137.34,"body":"difference, and if you can share"},{"speaker":"Victor Lagos","startTime":137.34,"endTime":141.48,"body":"a little bit about what prop"},{"speaker":"Victor Lagos","startTime":137.34,"endTime":141.48,"body":"you're actually does is that for"},{"speaker":"Victor Lagos","startTime":141.54,"endTime":144.27,"body":"for normal buyer's agents, you"},{"speaker":"Victor Lagos","startTime":141.54,"endTime":144.27,"body":"know, they can make a decent"},{"speaker":"Victor Lagos","startTime":144.27,"endTime":147.21,"body":"amount of money, and they"},{"speaker":"Victor Lagos","startTime":144.27,"endTime":147.21,"body":"usually self fund. So that money"},{"speaker":"Victor Lagos","startTime":147.21,"endTime":151.56,"body":"they make they end up using to"},{"speaker":"Victor Lagos","startTime":147.21,"endTime":151.56,"body":"grow the business organically."},{"speaker":"Victor Lagos","startTime":151.98,"endTime":155.25,"body":"But prop here is a bit of a"},{"speaker":"Victor Lagos","startTime":151.98,"endTime":155.25,"body":"technology company, and it"},{"speaker":"Victor Lagos","startTime":155.25,"endTime":159.0,"body":"actually was able to raise"},{"speaker":"Victor Lagos","startTime":155.25,"endTime":159.0,"body":"capital to grow. And it's only"},{"speaker":"Victor Lagos","startTime":159.0,"endTime":162.12,"body":"been around for about 12 months"},{"speaker":"Victor Lagos","startTime":159.0,"endTime":162.12,"body":"or so been around just coming up"},{"speaker":"Victor Lagos","startTime":162.12,"endTime":167.31,"body":"to two years into life. Already"},{"speaker":"Victor Lagos","startTime":162.12,"endTime":167.31,"body":"Time flies. Can you give us a"},{"speaker":"Victor Lagos","startTime":167.31,"endTime":170.79,"body":"bit of history about prop here"},{"speaker":"Victor Lagos","startTime":167.31,"endTime":170.79,"body":"and the founders and sort of the"},{"speaker":"Victor Lagos","startTime":170.79,"endTime":172.2,"body":"success you guys have had so"},{"speaker":"Victor Lagos","startTime":170.79,"endTime":172.2,"body":"far?"},{"speaker":"Harry Benetto","startTime":172.35,"endTime":174.84,"body":"Yeah, definitely."},{"speaker":"Harry Benetto","startTime":172.35,"endTime":174.84,"body":"So business was founded in"},{"speaker":"Harry Benetto","startTime":174.84,"endTime":180.45,"body":"Sydney in 2021. And the idea"},{"speaker":"Harry Benetto","startTime":174.84,"endTime":180.45,"body":"came about through one of the"},{"speaker":"Harry Benetto","startTime":180.45,"endTime":183.96,"body":"founders, Michael, he mentioned,"},{"speaker":"Harry Benetto","startTime":180.45,"endTime":183.96,"body":"having a pretty average"},{"speaker":"Harry Benetto","startTime":183.96,"endTime":186.75,"body":"experience buying an owner"},{"speaker":"Harry Benetto","startTime":183.96,"endTime":186.75,"body":"occupied property through a"},{"speaker":"Harry Benetto","startTime":186.75,"endTime":189.9,"body":"buyer's agent felt like it cost"},{"speaker":"Harry Benetto","startTime":186.75,"endTime":189.9,"body":"a bomb, and then they ended up"},{"speaker":"Harry Benetto","startTime":189.9,"endTime":192.15,"body":"finding the property themselves"},{"speaker":"Harry Benetto","startTime":189.9,"endTime":192.15,"body":"and didn't really get any value"},{"speaker":"Harry Benetto","startTime":192.15,"endTime":196.65,"body":"for it. So the idea of Prop hero"},{"speaker":"Harry Benetto","startTime":192.15,"endTime":196.65,"body":"using a data driven approach to"},{"speaker":"Harry Benetto","startTime":196.65,"endTime":201.0,"body":"buy investment properties"},{"speaker":"Harry Benetto","startTime":196.65,"endTime":201.0,"body":"exclusively, as has blossomed"},{"speaker":"Harry Benetto","startTime":201.0,"endTime":205.74,"body":"from there, and I guess that the"},{"speaker":"Harry Benetto","startTime":201.0,"endTime":205.74,"body":"primarily primary motive is to,"},{"speaker":"Harry Benetto","startTime":206.1,"endTime":208.5,"body":"firstly find a property that's"},{"speaker":"Harry Benetto","startTime":206.1,"endTime":208.5,"body":"going to outperform the market,"},{"speaker":"Harry Benetto","startTime":208.53,"endTime":212.52,"body":"but then make the process"},{"speaker":"Harry Benetto","startTime":208.53,"endTime":212.52,"body":"seamless end to end. So the"},{"speaker":"Harry Benetto","startTime":212.52,"endTime":215.82,"body":"first time buyers, holding their"},{"speaker":"Harry Benetto","startTime":212.52,"endTime":215.82,"body":"hand step by step throughout"},{"speaker":"Harry Benetto","startTime":215.82,"endTime":217.92,"body":"that journey, whether it's"},{"speaker":"Harry Benetto","startTime":215.82,"endTime":217.92,"body":"connecting them with a mortgage"},{"speaker":"Harry Benetto","startTime":217.92,"endTime":221.31,"body":"broker, conveyancing person"},{"speaker":"Harry Benetto","startTime":217.92,"endTime":221.31,"body":"building, having the confidence"},{"speaker":"Harry Benetto","startTime":221.31,"endTime":223.62,"body":"to go and buy a property"},{"speaker":"Harry Benetto","startTime":221.31,"endTime":223.62,"body":"interstate, when they're not"},{"speaker":"Harry Benetto","startTime":223.62,"endTime":226.65,"body":"gonna go see it themselves,"},{"speaker":"Harry Benetto","startTime":223.62,"endTime":226.65,"body":"that's all a big part of it. Or"},{"speaker":"Harry Benetto","startTime":226.65,"endTime":230.58,"body":"if it's helping professional"},{"speaker":"Harry Benetto","startTime":226.65,"endTime":230.58,"body":"investors who have several"},{"speaker":"Harry Benetto","startTime":230.58,"endTime":233.94,"body":"properties to top up their"},{"speaker":"Harry Benetto","startTime":230.58,"endTime":233.94,"body":"portfolio and access a different"},{"speaker":"Harry Benetto","startTime":233.94,"endTime":236.46,"body":"market that they didn't really"},{"speaker":"Harry Benetto","startTime":233.94,"endTime":236.46,"body":"know about, all I knew was a"},{"speaker":"Harry Benetto","startTime":236.46,"endTime":237.03,"body":"good option."},{"speaker":"Victor Lagos","startTime":237.36,"endTime":239.16,"body":"Okay, that's you"},{"speaker":"Victor Lagos","startTime":237.36,"endTime":239.16,"body":"made a good point about you"},{"speaker":"Victor Lagos","startTime":239.16,"endTime":241.8,"body":"focus purely on investment"},{"speaker":"Victor Lagos","startTime":239.16,"endTime":241.8,"body":"properties, because a lot of"},{"speaker":"Victor Lagos","startTime":241.8,"endTime":244.32,"body":"buyer's agents out there, you"},{"speaker":"Victor Lagos","startTime":241.8,"endTime":244.32,"body":"know, they'll go out to the"},{"speaker":"Victor Lagos","startTime":244.32,"endTime":247.65,"body":"inspections for you, and they'll"},{"speaker":"Victor Lagos","startTime":244.32,"endTime":247.65,"body":"negotiate for your dream home,"},{"speaker":"Victor Lagos","startTime":247.74,"endTime":250.05,"body":"and they're getting you off"},{"speaker":"Victor Lagos","startTime":247.74,"endTime":250.05,"body":"market deals, because obviously,"},{"speaker":"Victor Lagos","startTime":250.05,"endTime":254.52,"body":"it's hard to compete. You know,"},{"speaker":"Victor Lagos","startTime":250.05,"endTime":254.52,"body":"being a one time buy ours,"},{"speaker":"Victor Lagos","startTime":254.61,"endTime":257.28,"body":"buyer's agent that buys a lot of"},{"speaker":"Victor Lagos","startTime":254.61,"endTime":257.28,"body":"properties sometimes get"},{"speaker":"Victor Lagos","startTime":257.31,"endTime":260.79,"body":"exclusive exclusive access to"},{"speaker":"Victor Lagos","startTime":257.31,"endTime":260.79,"body":"properties. But when it comes to"},{"speaker":"Victor Lagos","startTime":261.0,"endTime":265.02,"body":"investment properties, it's"},{"speaker":"Victor Lagos","startTime":261.0,"endTime":265.02,"body":"really about buying performing"},{"speaker":"Victor Lagos","startTime":265.02,"endTime":268.77,"body":"assets, and knowing the"},{"speaker":"Victor Lagos","startTime":265.02,"endTime":268.77,"body":"locations, ideal locations based"},{"speaker":"Victor Lagos","startTime":268.77,"endTime":271.5,"body":"on what you can afford, and"},{"speaker":"Victor Lagos","startTime":268.77,"endTime":271.5,"body":"based on your specific goals."},{"speaker":"Victor Lagos","startTime":271.5,"endTime":276.12,"body":"Right. So my question would be"},{"speaker":"Victor Lagos","startTime":271.5,"endTime":276.12,"body":"around one is the data, you"},{"speaker":"Victor Lagos","startTime":276.12,"endTime":279.54,"body":"talked about data? So how many"},{"speaker":"Victor Lagos","startTime":276.12,"endTime":279.54,"body":"data points does prepare"},{"speaker":"Victor Lagos","startTime":279.54,"endTime":282.75,"body":"actually use? And then how does"},{"speaker":"Victor Lagos","startTime":279.54,"endTime":282.75,"body":"it get all that data and sort of"},{"speaker":"Victor Lagos","startTime":282.78,"endTime":286.08,"body":"decide, you know, the ideal"},{"speaker":"Victor Lagos","startTime":282.78,"endTime":286.08,"body":"areas and then from this, you"},{"speaker":"Victor Lagos","startTime":286.08,"endTime":288.27,"body":"know, select the properties that"},{"speaker":"Victor Lagos","startTime":286.08,"endTime":288.27,"body":"you offer to your clients?"},{"speaker":"Harry Benetto","startTime":288.42,"endTime":292.26,"body":"Yeah, so to where"},{"speaker":"Harry Benetto","startTime":288.42,"endTime":292.26,"body":"we're using 200 Odd data"},{"speaker":"Harry Benetto","startTime":292.26,"endTime":295.47,"body":"variables, and we've got data on"},{"speaker":"Harry Benetto","startTime":292.26,"endTime":295.47,"body":"every single suburb in"},{"speaker":"Harry Benetto","startTime":295.53,"endTime":299.85,"body":"Australia, which is just over"},{"speaker":"Harry Benetto","startTime":295.53,"endTime":299.85,"body":"15,000 and we're constantly"},{"speaker":"Harry Benetto","startTime":299.85,"endTime":304.17,"body":"doing analysis on each and every"},{"speaker":"Harry Benetto","startTime":299.85,"endTime":304.17,"body":"suburb to decide, firstly, which"},{"speaker":"Harry Benetto","startTime":304.17,"endTime":306.96,"body":"areas we're going to target from"},{"speaker":"Harry Benetto","startTime":304.17,"endTime":306.96,"body":"a macroeconomic point of view."},{"speaker":"Harry Benetto","startTime":307.98,"endTime":310.44,"body":"And then really narrowing it"},{"speaker":"Harry Benetto","startTime":307.98,"endTime":310.44,"body":"down from there, once we've"},{"speaker":"Harry Benetto","startTime":310.44,"endTime":315.36,"body":"targeted those, those great"},{"speaker":"Harry Benetto","startTime":310.44,"endTime":315.36,"body":"regions. Once we're picking our"},{"speaker":"Harry Benetto","startTime":315.36,"endTime":318.84,"body":"suburbs, yeah, it's, it's really"},{"speaker":"Harry Benetto","startTime":315.36,"endTime":318.84,"body":"trying to de risk it as much as"},{"speaker":"Harry Benetto","startTime":318.84,"endTime":321.96,"body":"possible. So we want to buy in"},{"speaker":"Harry Benetto","startTime":318.84,"endTime":321.96,"body":"an area that's got strong"},{"speaker":"Harry Benetto","startTime":321.96,"endTime":325.26,"body":"economic growth, which is"},{"speaker":"Harry Benetto","startTime":321.96,"endTime":325.26,"body":"usually driven by job creation,"},{"speaker":"Harry Benetto","startTime":325.26,"endTime":329.55,"body":"population growth, and a number"},{"speaker":"Harry Benetto","startTime":325.26,"endTime":329.55,"body":"of other factors, then try to de"},{"speaker":"Harry Benetto","startTime":329.55,"endTime":334.11,"body":"risk it from a supply and demand"},{"speaker":"Harry Benetto","startTime":329.55,"endTime":334.11,"body":"point of view. So really taking"},{"speaker":"Harry Benetto","startTime":334.11,"endTime":338.31,"body":"control of the the supply"},{"speaker":"Harry Benetto","startTime":334.11,"endTime":338.31,"body":"metrics is really important. So"},{"speaker":"Harry Benetto","startTime":338.34,"endTime":341.85,"body":"we want to buy in an area where"},{"speaker":"Harry Benetto","startTime":338.34,"endTime":341.85,"body":"there's like, not a lot of land"},{"speaker":"Harry Benetto","startTime":341.85,"endTime":346.02,"body":"available for redevelopment. So"},{"speaker":"Harry Benetto","startTime":341.85,"endTime":346.02,"body":"we're buying a mature areas that"},{"speaker":"Harry Benetto","startTime":346.08,"endTime":348.93,"body":"are really going to gentrify"},{"speaker":"Harry Benetto","startTime":346.08,"endTime":348.93,"body":"quicker than what the rest of"},{"speaker":"Harry Benetto","startTime":348.93,"endTime":351.27,"body":"the country is going to do. So"},{"speaker":"Harry Benetto","startTime":348.93,"endTime":351.27,"body":"that should be an indicator of"},{"speaker":"Harry Benetto","startTime":351.3,"endTime":355.02,"body":"income growth, and, of course,"},{"speaker":"Harry Benetto","startTime":351.3,"endTime":355.02,"body":"property price growth over time."},{"speaker":"Victor Lagos","startTime":355.59,"endTime":358.62,"body":"Okay, and how far"},{"speaker":"Victor Lagos","startTime":355.59,"endTime":358.62,"body":"does the data go? Like, do you"},{"speaker":"Victor Lagos","startTime":358.62,"endTime":362.13,"body":"go back to when residential"},{"speaker":"Victor Lagos","startTime":358.62,"endTime":362.13,"body":"property data was available?"},{"speaker":"Victor Lagos","startTime":362.16,"endTime":365.52,"body":"Like, core logic? Would you go"},{"speaker":"Victor Lagos","startTime":362.16,"endTime":365.52,"body":"even further back and sort of"},{"speaker":"Victor Lagos","startTime":365.76,"endTime":369.36,"body":"put it into into a computer work"},{"speaker":"Victor Lagos","startTime":365.76,"endTime":369.36,"body":"and actually analyze data from"},{"speaker":"Victor Lagos","startTime":369.36,"endTime":370.53,"body":"like the 1800s? Or even?"},{"speaker":"Harry Benetto","startTime":370.95,"endTime":373.2,"body":"Yeah, we keep"},{"speaker":"Harry Benetto","startTime":370.95,"endTime":373.2,"body":"pretty modern. We don't go back"},{"speaker":"Harry Benetto","startTime":373.2,"endTime":376.2,"body":"as far as the 1800s. Although"},{"speaker":"Harry Benetto","startTime":373.2,"endTime":376.2,"body":"you probably could have bought a"},{"speaker":"Harry Benetto","startTime":376.2,"endTime":379.95,"body":"property in Sydney for about $10"},{"speaker":"Harry Benetto","startTime":376.2,"endTime":379.95,"body":"Back then, or pounds or whatever"},{"speaker":"Harry Benetto","startTime":379.95,"endTime":380.58,"body":"you say,"},{"speaker":"Victor Lagos","startTime":380.61,"endTime":382.26,"body":"better putting the"},{"speaker":"Victor Lagos","startTime":380.61,"endTime":382.26,"body":"growth in for that?"},{"speaker":"Harry Benetto","startTime":382.29,"endTime":384.42,"body":"Yeah. Yeah. I"},{"speaker":"Harry Benetto","startTime":382.29,"endTime":384.42,"body":"mean, if we could go back in"},{"speaker":"Harry Benetto","startTime":384.42,"endTime":389.01,"body":"time, that'd be great. But yeah,"},{"speaker":"Harry Benetto","startTime":384.42,"endTime":389.01,"body":"we're using data that's readily"},{"speaker":"Harry Benetto","startTime":389.01,"endTime":391.14,"body":"available in the market, we've"},{"speaker":"Harry Benetto","startTime":389.01,"endTime":391.14,"body":"got about 30 different data"},{"speaker":"Harry Benetto","startTime":391.14,"endTime":394.53,"body":"sources. And that's property"},{"speaker":"Harry Benetto","startTime":391.14,"endTime":394.53,"body":"data, like, for instance, like a"},{"speaker":"Harry Benetto","startTime":394.53,"endTime":397.38,"body":"core logic, like you mentioned,"},{"speaker":"Harry Benetto","startTime":394.53,"endTime":397.38,"body":"but also macroeconomic data,"},{"speaker":"Harry Benetto","startTime":397.38,"endTime":401.31,"body":"which can be sourced from, say,"},{"speaker":"Harry Benetto","startTime":397.38,"endTime":401.31,"body":"the ABS, or where we're really"},{"speaker":"Harry Benetto","startTime":401.31,"endTime":403.74,"body":"big on source of climate data."},{"speaker":"Harry Benetto","startTime":401.31,"endTime":403.74,"body":"And I think we're the only"},{"speaker":"Harry Benetto","startTime":403.74,"endTime":405.66,"body":"player in the market, we really"},{"speaker":"Harry Benetto","startTime":403.74,"endTime":405.66,"body":"the extent there. So we're"},{"speaker":"Harry Benetto","startTime":405.66,"endTime":409.41,"body":"looking at the potential impact"},{"speaker":"Harry Benetto","startTime":405.66,"endTime":409.41,"body":"of climate change, as well as"},{"speaker":"Harry Benetto","startTime":409.41,"endTime":413.46,"body":"like flooding bushfire risk of"},{"speaker":"Harry Benetto","startTime":409.41,"endTime":413.46,"body":"an address. So the idea there is"},{"speaker":"Harry Benetto","startTime":413.46,"endTime":416.07,"body":"that you could be in a position"},{"speaker":"Harry Benetto","startTime":413.46,"endTime":416.07,"body":"to buy an excellent property,"},{"speaker":"Harry Benetto","startTime":416.07,"endTime":418.8,"body":"but there's so many different"},{"speaker":"Harry Benetto","startTime":416.07,"endTime":418.8,"body":"things that you need to factor"},{"speaker":"Harry Benetto","startTime":418.8,"endTime":421.86,"body":"in, and you could quite easily"},{"speaker":"Harry Benetto","startTime":418.8,"endTime":421.86,"body":"overlook something before, you"},{"speaker":"Harry Benetto","startTime":421.86,"endTime":425.25,"body":"know, making the plan taking the"},{"speaker":"Harry Benetto","startTime":421.86,"endTime":425.25,"body":"plunge and deciding to buy an"},{"speaker":"Harry Benetto","startTime":425.25,"endTime":428.58,"body":"investment property. And then"},{"speaker":"Harry Benetto","startTime":425.25,"endTime":428.58,"body":"yeah, that'll do you know that"},{"speaker":"Harry Benetto","startTime":428.58,"endTime":430.92,"body":"there's something wrong with it,"},{"speaker":"Harry Benetto","startTime":428.58,"endTime":430.92,"body":"that you don't have any control"},{"speaker":"Harry Benetto","startTime":430.92,"endTime":434.22,"body":"over or you missed it. So it's"},{"speaker":"Harry Benetto","startTime":430.92,"endTime":434.22,"body":"really trying to focus on the"},{"speaker":"Harry Benetto","startTime":434.22,"endTime":437.55,"body":"fact that we do risk as much as"},{"speaker":"Harry Benetto","startTime":434.22,"endTime":437.55,"body":"possible, we can help you find a"},{"speaker":"Harry Benetto","startTime":437.58,"endTime":441.09,"body":"performing asset that will"},{"speaker":"Harry Benetto","startTime":437.58,"endTime":441.09,"body":"perform higher than what you"},{"speaker":"Harry Benetto","startTime":441.09,"endTime":444.42,"body":"will get in the in the market,"},{"speaker":"Harry Benetto","startTime":441.09,"endTime":444.42,"body":"if you were to do it yourself or"},{"speaker":"Harry Benetto","startTime":444.42,"endTime":446.13,"body":"say use a traditional buyer's"},{"speaker":"Harry Benetto","startTime":444.42,"endTime":446.13,"body":"agent"},{"speaker":"Victor Lagos","startTime":446.095,"endTime":448.611,"body":". Yeah. And we, we"},{"speaker":"Victor Lagos","startTime":446.095,"endTime":448.611,"body":"touched on it earlier about"},{"speaker":"Victor Lagos","startTime":448.665,"endTime":451.947,"body":"buying property into state, it"},{"speaker":"Victor Lagos","startTime":448.665,"endTime":451.947,"body":"is a difficult thing to do on"},{"speaker":"Victor Lagos","startTime":452.002,"endTime":455.338,"body":"your own. I, when I bought a"},{"speaker":"Victor Lagos","startTime":452.002,"endTime":455.338,"body":"property, my wife and I bought a"},{"speaker":"Victor Lagos","startTime":455.393,"endTime":458.893,"body":"property in Tasmania a few years"},{"speaker":"Victor Lagos","startTime":455.393,"endTime":458.893,"body":"ago, that was without a buyer's"},{"speaker":"Victor Lagos","startTime":458.948,"endTime":462.066,"body":"agent. And I spent a lot of"},{"speaker":"Victor Lagos","startTime":458.948,"endTime":462.066,"body":"hours just calling agents and"},{"speaker":"Victor Lagos","startTime":462.12,"endTime":465.293,"body":"trying to learn about the local"},{"speaker":"Victor Lagos","startTime":462.12,"endTime":465.293,"body":"market about the different"},{"speaker":"Victor Lagos","startTime":465.347,"endTime":468.356,"body":"suburbs and the demographic of"},{"speaker":"Victor Lagos","startTime":465.347,"endTime":468.356,"body":"people, potential rental"},{"speaker":"Victor Lagos","startTime":468.41,"endTime":471.473,"body":"returns, and then, you know,"},{"speaker":"Victor Lagos","startTime":468.41,"endTime":471.473,"body":"just to work out if there's"},{"speaker":"Victor Lagos","startTime":471.528,"endTime":475.083,"body":"going to be capital growth, then"},{"speaker":"Victor Lagos","startTime":471.528,"endTime":475.083,"body":"itself, I don't I don't know how"},{"speaker":"Victor Lagos","startTime":475.138,"endTime":478.092,"body":"to figure that out. So there's"},{"speaker":"Victor Lagos","startTime":475.138,"endTime":478.092,"body":"got to be some level of"},{"speaker":"Victor Lagos","startTime":478.146,"endTime":481.592,"body":"understanding what's the supply"},{"speaker":"Victor Lagos","startTime":478.146,"endTime":481.592,"body":"and the demand in that area. So"},{"speaker":"Victor Lagos","startTime":481.647,"endTime":484.71,"body":"you can get some immediate"},{"speaker":"Victor Lagos","startTime":481.647,"endTime":484.71,"body":"growth. And then, you know, I"},{"speaker":"Victor Lagos","startTime":484.764,"endTime":488.101,"body":"guess the macroeconomic stuff"},{"speaker":"Victor Lagos","startTime":484.764,"endTime":488.101,"body":"that's gonna give you that long"},{"speaker":"Victor Lagos","startTime":488.156,"endTime":491.492,"body":"term growth as well. But, you"},{"speaker":"Victor Lagos","startTime":488.156,"endTime":491.492,"body":"know, the second property I use"},{"speaker":"Victor Lagos","startTime":491.547,"endTime":495.047,"body":"as a buyer's agent, and it made"},{"speaker":"Victor Lagos","startTime":491.547,"endTime":495.047,"body":"life a lot easier, but that was,"},{"speaker":"Victor Lagos","startTime":495.102,"endTime":498.274,"body":"you know, a couple of people"},{"speaker":"Victor Lagos","startTime":495.102,"endTime":498.274,"body":"searching the market. So they"},{"speaker":"Victor Lagos","startTime":498.329,"endTime":501.119,"body":"obviously build the"},{"speaker":"Victor Lagos","startTime":498.329,"endTime":501.119,"body":"relationships, but they sort of"},{"speaker":"Victor Lagos","startTime":501.173,"endTime":504.51,"body":"hone in on yes, they're using"},{"speaker":"Victor Lagos","startTime":501.173,"endTime":504.51,"body":"data, but they're processing it"},{"speaker":"Victor Lagos","startTime":504.564,"endTime":507.627,"body":"at human speed. You guys, are"},{"speaker":"Victor Lagos","startTime":504.564,"endTime":507.627,"body":"you guys using like AI and"},{"speaker":"Victor Lagos","startTime":507.682,"endTime":510.964,"body":"things like that, to sort of"},{"speaker":"Victor Lagos","startTime":507.682,"endTime":510.964,"body":"amalgamate all of that and give"},{"speaker":"Victor Lagos","startTime":511.019,"endTime":514.574,"body":"you you know, the answers rather"},{"speaker":"Victor Lagos","startTime":511.019,"endTime":514.574,"body":"than, you know, a whole bunch of"},{"speaker":"Victor Lagos","startTime":514.628,"endTime":515.34,"body":"spreadsheets?"},{"speaker":"Harry Benetto","startTime":515.33,"endTime":517.61,"body":"Yeah, exactly. So"},{"speaker":"Harry Benetto","startTime":515.33,"endTime":517.61,"body":"we've we've got it all built"},{"speaker":"Harry Benetto","startTime":517.61,"endTime":522.68,"body":"into it, an AI model and data"},{"speaker":"Harry Benetto","startTime":517.61,"endTime":522.68,"body":"and that data and AI team are"},{"speaker":"Harry Benetto","startTime":522.68,"endTime":527.63,"body":"constantly working with it hands"},{"speaker":"Harry Benetto","startTime":522.68,"endTime":527.63,"body":"on, but there is a powerful like"},{"speaker":"Harry Benetto","startTime":527.63,"endTime":530.87,"body":"a machine that we're using to"},{"speaker":"Harry Benetto","startTime":527.63,"endTime":530.87,"body":"make it as automated as"},{"speaker":"Harry Benetto","startTime":530.87,"endTime":534.86,"body":"possible. But we're talking a"},{"speaker":"Harry Benetto","startTime":530.87,"endTime":534.86,"body":"lot about data, we've still got"},{"speaker":"Harry Benetto","startTime":534.86,"endTime":539.72,"body":"people working for us and hands"},{"speaker":"Harry Benetto","startTime":534.86,"endTime":539.72,"body":"on in each of the markets that"},{"speaker":"Harry Benetto","startTime":539.72,"endTime":543.05,"body":"we buy in. So currently, we're"},{"speaker":"Harry Benetto","startTime":539.72,"endTime":543.05,"body":"buying in a few select areas in"},{"speaker":"Harry Benetto","startTime":543.05,"endTime":547.79,"body":"Brisbane, and then a handful of"},{"speaker":"Harry Benetto","startTime":543.05,"endTime":547.79,"body":"suburbs in Adelaide. And we've"},{"speaker":"Harry Benetto","startTime":547.79,"endTime":550.76,"body":"got our team out there who"},{"speaker":"Harry Benetto","startTime":547.79,"endTime":550.76,"body":"inspect the properties and"},{"speaker":"Harry Benetto","startTime":550.76,"endTime":552.92,"body":"really have an intimate"},{"speaker":"Harry Benetto","startTime":550.76,"endTime":552.92,"body":"knowledge of those markets. So"},{"speaker":"Harry Benetto","startTime":552.92,"endTime":555.68,"body":"that, you know, street by"},{"speaker":"Harry Benetto","startTime":552.92,"endTime":555.68,"body":"street, not just suburb by"},{"speaker":"Harry Benetto","startTime":555.68,"endTime":556.97,"body":"suburb, we know where to buy."},{"speaker":"Victor Lagos","startTime":557.23,"endTime":560.23,"body":"Okay, so you do"},{"speaker":"Victor Lagos","startTime":557.23,"endTime":560.23,"body":"have boots on the ground? Yeah,"},{"speaker":"Victor Lagos","startTime":560.86,"endTime":564.52,"body":"directions. Okay, and know that"},{"speaker":"Victor Lagos","startTime":560.86,"endTime":564.52,"body":"these are the right locations,"},{"speaker":"Victor Lagos","startTime":564.64,"endTime":566.98,"body":"right within the pockets that"},{"speaker":"Victor Lagos","startTime":564.64,"endTime":566.98,"body":"you've located based on the"},{"speaker":"Victor Lagos","startTime":566.98,"endTime":569.65,"body":"data. That's right. Yes. Okay,"},{"speaker":"Victor Lagos","startTime":566.98,"endTime":569.65,"body":"so that was next question I was"},{"speaker":"Victor Lagos","startTime":569.65,"endTime":572.68,"body":"gonna ask is, what's the"},{"speaker":"Victor Lagos","startTime":569.65,"endTime":572.68,"body":"experience like for investors"},{"speaker":"Victor Lagos","startTime":572.74,"endTime":576.1,"body":"when they come through the prop"},{"speaker":"Victor Lagos","startTime":572.74,"endTime":576.1,"body":"here compared to going through"},{"speaker":"Victor Lagos","startTime":576.1,"endTime":576.91,"body":"another buyer's agent?"},{"speaker":"Harry Benetto","startTime":577.5,"endTime":581.22,"body":"It's a pretty,"},{"speaker":"Harry Benetto","startTime":577.5,"endTime":581.22,"body":"it's a pretty seamless"},{"speaker":"Harry Benetto","startTime":581.22,"endTime":586.62,"body":"experience. We've got like,"},{"speaker":"Harry Benetto","startTime":581.22,"endTime":586.62,"body":"hundreds of clients now and I've"},{"speaker":"Harry Benetto","startTime":586.62,"endTime":589.23,"body":"never been associated with a"},{"speaker":"Harry Benetto","startTime":586.62,"endTime":589.23,"body":"business where your clients are"},{"speaker":"Harry Benetto","startTime":589.23,"endTime":594.09,"body":"you'd be brand ambassadors quite"},{"speaker":"Harry Benetto","startTime":589.23,"endTime":594.09,"body":"like this. So we've got 80% of"},{"speaker":"Harry Benetto","startTime":594.09,"endTime":596.43,"body":"our clients referring us family"},{"speaker":"Harry Benetto","startTime":594.09,"endTime":596.43,"body":"and France because they have"},{"speaker":"Harry Benetto","startTime":596.43,"endTime":600.33,"body":"such a great experience and"},{"speaker":"Harry Benetto","startTime":596.43,"endTime":600.33,"body":"firstly, it's it's targeting A"},{"speaker":"Harry Benetto","startTime":600.99,"endTime":603.81,"body":"majority of our client base are"},{"speaker":"Harry Benetto","startTime":600.99,"endTime":603.81,"body":"based in Sydney and Melbourne,"},{"speaker":"Harry Benetto","startTime":603.81,"endTime":606.12,"body":"the two most expensive markets"},{"speaker":"Harry Benetto","startTime":603.81,"endTime":606.12,"body":"in the country, they're looking"},{"speaker":"Harry Benetto","startTime":606.12,"endTime":609.24,"body":"for property opportunities"},{"speaker":"Harry Benetto","startTime":606.12,"endTime":609.24,"body":"outside of those markets, they"},{"speaker":"Harry Benetto","startTime":609.24,"endTime":611.55,"body":"might have an owner occupied"},{"speaker":"Harry Benetto","startTime":609.24,"endTime":611.55,"body":"place, or they might be rent"},{"speaker":"Harry Benetto","startTime":611.55,"endTime":616.86,"body":"vesting, and don't really know"},{"speaker":"Harry Benetto","startTime":611.55,"endTime":616.86,"body":"where to start. So the ability"},{"speaker":"Harry Benetto","startTime":616.86,"endTime":621.57,"body":"to try to locate a new suburb"},{"speaker":"Harry Benetto","startTime":616.86,"endTime":621.57,"body":"that is going to outperform,"},{"speaker":"Harry Benetto","startTime":621.57,"endTime":623.97,"body":"it's really important, and then"},{"speaker":"Harry Benetto","startTime":621.57,"endTime":623.97,"body":"linking that towards the"},{"speaker":"Harry Benetto","startTime":624.0,"endTime":626.01,"body":"existing performance that we've"},{"speaker":"Harry Benetto","startTime":624.0,"endTime":626.01,"body":"achieved. Since we've been"},{"speaker":"Harry Benetto","startTime":626.01,"endTime":629.79,"body":"around for almost two years now,"},{"speaker":"Harry Benetto","startTime":626.01,"endTime":629.79,"body":"it's been a key driver of why I"},{"speaker":"Harry Benetto","startTime":629.79,"endTime":632.76,"body":"believe that there's been a lot"},{"speaker":"Harry Benetto","startTime":629.79,"endTime":632.76,"body":"of success with that model. And"},{"speaker":"Harry Benetto","startTime":632.76,"endTime":636.57,"body":"then having a fantastic platform"},{"speaker":"Harry Benetto","startTime":632.76,"endTime":636.57,"body":"that's going to support"},{"speaker":"Harry Benetto","startTime":636.6,"endTime":639.12,"body":"throughout that property"},{"speaker":"Harry Benetto","startTime":636.6,"endTime":639.12,"body":"investment journey, and really"},{"speaker":"Harry Benetto","startTime":639.18,"endTime":641.79,"body":"giving them the confidence to"},{"speaker":"Harry Benetto","startTime":639.18,"endTime":641.79,"body":"build up equity and buy again"},{"speaker":"Harry Benetto","startTime":641.79,"endTime":642.87,"body":"and again through us."},{"speaker":"Victor Lagos","startTime":642.99,"endTime":646.05,"body":"Yeah. Okay. Can"},{"speaker":"Victor Lagos","startTime":642.99,"endTime":646.05,"body":"you tell us a little bit about"},{"speaker":"Victor Lagos","startTime":646.05,"endTime":651.48,"body":"the the app that you guys are"},{"speaker":"Victor Lagos","startTime":646.05,"endTime":651.48,"body":"working on? I've sort of"},{"speaker":"Victor Lagos","startTime":651.48,"endTime":656.04,"body":"registered, you know, to test it"},{"speaker":"Victor Lagos","startTime":651.48,"endTime":656.04,"body":"out? Is it in the beta testing,"},{"speaker":"Victor Lagos","startTime":656.04,"endTime":658.98,"body":"or is it still is out there for"},{"speaker":"Victor Lagos","startTime":656.04,"endTime":658.98,"body":"the market at the moment."},{"speaker":"Harry Benetto","startTime":659.26,"endTime":662.5,"body":"So the app is"},{"speaker":"Harry Benetto","startTime":659.26,"endTime":662.5,"body":"100% available for our paying"},{"speaker":"Harry Benetto","startTime":662.5,"endTime":666.37,"body":"clients. And it's, there might"},{"speaker":"Harry Benetto","startTime":662.5,"endTime":666.37,"body":"might be a few changes there. So"},{"speaker":"Harry Benetto","startTime":666.37,"endTime":669.55,"body":"watch this space, up first, to"},{"speaker":"Harry Benetto","startTime":666.37,"endTime":669.55,"body":"know that what the app is there"},{"speaker":"Harry Benetto","startTime":669.55,"endTime":671.38,"body":"to do is to really communicate"},{"speaker":"Harry Benetto","startTime":669.55,"endTime":671.38,"body":"the data side of the business"},{"speaker":"Harry Benetto","startTime":672.7,"endTime":680.41,"body":"and the buying process. So how"},{"speaker":"Harry Benetto","startTime":672.7,"endTime":680.41,"body":"do we get to this property at"},{"speaker":"Harry Benetto","startTime":680.41,"endTime":683.68,"body":"this address within this suburb,"},{"speaker":"Harry Benetto","startTime":680.41,"endTime":683.68,"body":"and working it back through that"},{"speaker":"Harry Benetto","startTime":683.89,"endTime":687.16,"body":"journey from macro economics"},{"speaker":"Harry Benetto","startTime":683.89,"endTime":687.16,"body":"supply demand, and then the"},{"speaker":"Harry Benetto","startTime":687.16,"endTime":691.42,"body":"property characteristics"},{"speaker":"Harry Benetto","startTime":687.16,"endTime":691.42,"body":"themselves and really combining"},{"speaker":"Harry Benetto","startTime":691.45,"endTime":694.9,"body":"or connecting all the dots there"},{"speaker":"Harry Benetto","startTime":691.45,"endTime":694.9,"body":"to give you total confidence in"},{"speaker":"Harry Benetto","startTime":694.9,"endTime":699.4,"body":"our approach, and, and knowing"},{"speaker":"Harry Benetto","startTime":694.9,"endTime":699.4,"body":"that there's, there's purchases"},{"speaker":"Harry Benetto","startTime":699.4,"endTime":702.43,"body":"happening that are purely based"},{"speaker":"Harry Benetto","startTime":699.4,"endTime":702.43,"body":"on generating the best financial"},{"speaker":"Harry Benetto","startTime":702.43,"endTime":705.16,"body":"return, it's not on a"},{"speaker":"Harry Benetto","startTime":702.43,"endTime":705.16,"body":"convenience basis, we're only"},{"speaker":"Harry Benetto","startTime":705.16,"endTime":707.8,"body":"gonna go where the data leads us"},{"speaker":"Harry Benetto","startTime":705.16,"endTime":707.8,"body":"to, and then we'll set up the"},{"speaker":"Harry Benetto","startTime":707.83,"endTime":709.45,"body":"networks for making that happen."},{"speaker":"Victor Lagos","startTime":709.78,"endTime":713.05,"body":"So within the app,"},{"speaker":"Victor Lagos","startTime":709.78,"endTime":713.05,"body":"they'll be able to see the"},{"speaker":"Victor Lagos","startTime":713.05,"endTime":717.76,"body":"properties that I guess match"},{"speaker":"Victor Lagos","startTime":713.05,"endTime":717.76,"body":"their specific, you know,"},{"speaker":"Victor Lagos","startTime":717.79,"endTime":721.51,"body":"objectives, and their"},{"speaker":"Victor Lagos","startTime":717.79,"endTime":721.51,"body":"affordability. And I know that"},{"speaker":"Victor Lagos","startTime":721.54,"endTime":725.5,"body":"you guys sort of focusing around"},{"speaker":"Victor Lagos","startTime":721.54,"endTime":725.5,"body":"that 500 to a million sort of"},{"speaker":"Victor Lagos","startTime":725.53,"endTime":727.9,"body":"price point, or do you guys go"},{"speaker":"Victor Lagos","startTime":725.53,"endTime":727.9,"body":"ahead with that as well."},{"speaker":"Harry Benetto","startTime":728.38,"endTime":732.01,"body":"So the way that"},{"speaker":"Harry Benetto","startTime":728.38,"endTime":732.01,"body":"it works is we will set up a"},{"speaker":"Harry Benetto","startTime":732.07,"endTime":734.35,"body":"strategy session with our"},{"speaker":"Harry Benetto","startTime":732.07,"endTime":734.35,"body":"clients once we onboard them,"},{"speaker":"Harry Benetto","startTime":734.35,"endTime":737.08,"body":"and they'll get access to our"},{"speaker":"Harry Benetto","startTime":734.35,"endTime":737.08,"body":"app. And we'll figure out"},{"speaker":"Harry Benetto","startTime":737.08,"endTime":739.66,"body":"firstly, what their budget and"},{"speaker":"Harry Benetto","startTime":737.08,"endTime":739.66,"body":"then their strategies, so there"},{"speaker":"Harry Benetto","startTime":739.66,"endTime":744.49,"body":"might be a skew towards income,"},{"speaker":"Harry Benetto","startTime":739.66,"endTime":744.49,"body":"or a hybrid of capital growth"},{"speaker":"Harry Benetto","startTime":744.49,"endTime":748.36,"body":"and also income or just flat out"},{"speaker":"Harry Benetto","startTime":744.49,"endTime":748.36,"body":"I want to achieve as high"},{"speaker":"Harry Benetto","startTime":748.36,"endTime":751.21,"body":"capital growth as possible. And"},{"speaker":"Harry Benetto","startTime":748.36,"endTime":751.21,"body":"I don't mind having a highly"},{"speaker":"Harry Benetto","startTime":751.21,"endTime":755.29,"body":"negatively geared property. So"},{"speaker":"Harry Benetto","startTime":751.21,"endTime":755.29,"body":"with that, where we're targeting"},{"speaker":"Harry Benetto","startTime":755.29,"endTime":758.62,"body":"properties within the price"},{"speaker":"Harry Benetto","startTime":755.29,"endTime":758.62,"body":"range of about 300,000 to"},{"speaker":"Harry Benetto","startTime":758.62,"endTime":764.08,"body":"750,000. And, yeah, there's a"},{"speaker":"Harry Benetto","startTime":758.62,"endTime":764.08,"body":"range of different strategies"},{"speaker":"Harry Benetto","startTime":764.08,"endTime":768.07,"body":"within those markets. But day in"},{"speaker":"Harry Benetto","startTime":764.08,"endTime":768.07,"body":"day out, I'm getting us Dude,"},{"speaker":"Harry Benetto","startTime":768.07,"endTime":770.2,"body":"why don't you buy in Sydney, or"},{"speaker":"Harry Benetto","startTime":768.07,"endTime":770.2,"body":"why don't you buy in Melbourne"},{"speaker":"Harry Benetto","startTime":770.2,"endTime":776.2,"body":"and the relative affordability"},{"speaker":"Harry Benetto","startTime":770.2,"endTime":776.2,"body":"is, is just not the same as what"},{"speaker":"Harry Benetto","startTime":776.2,"endTime":779.95,"body":"you can find in other markets"},{"speaker":"Harry Benetto","startTime":776.2,"endTime":779.95,"body":"interstate, and you get the"},{"speaker":"Harry Benetto","startTime":779.95,"endTime":782.98,"body":"benefit of higher rental yields"},{"speaker":"Harry Benetto","startTime":779.95,"endTime":782.98,"body":"higher projected capital growth,"},{"speaker":"Harry Benetto","startTime":783.1,"endTime":786.34,"body":"lower entry point, which usually"},{"speaker":"Harry Benetto","startTime":783.1,"endTime":786.34,"body":"means a tighter, I mean, it's"},{"speaker":"Harry Benetto","startTime":786.34,"endTime":790.69,"body":"easier to create higher"},{"speaker":"Harry Benetto","startTime":786.34,"endTime":790.69,"body":"percentage base growth. And"},{"speaker":"Harry Benetto","startTime":790.81,"endTime":795.22,"body":"yeah, going back to this app,"},{"speaker":"Harry Benetto","startTime":790.81,"endTime":795.22,"body":"we're finding the property on"},{"speaker":"Harry Benetto","startTime":795.22,"endTime":798.34,"body":"there providing like a seamless"},{"speaker":"Harry Benetto","startTime":795.22,"endTime":798.34,"body":"transition to actually"},{"speaker":"Harry Benetto","startTime":798.34,"endTime":802.18,"body":"purchasing the property settling"},{"speaker":"Harry Benetto","startTime":798.34,"endTime":802.18,"body":"on the property. And then once"},{"speaker":"Harry Benetto","startTime":802.18,"endTime":804.94,"body":"you own this property, you can"},{"speaker":"Harry Benetto","startTime":802.18,"endTime":804.94,"body":"actually track the performance"},{"speaker":"Harry Benetto","startTime":804.94,"endTime":809.98,"body":"of it. So we've got data coming"},{"speaker":"Harry Benetto","startTime":804.94,"endTime":809.98,"body":"in through valuations, man, and"},{"speaker":"Harry Benetto","startTime":810.25,"endTime":813.91,"body":"you'll get a valuation that"},{"speaker":"Harry Benetto","startTime":810.25,"endTime":813.91,"body":"updates every month of your"},{"speaker":"Harry Benetto","startTime":813.91,"endTime":817.66,"body":"total portfolio consolidated"},{"speaker":"Harry Benetto","startTime":813.91,"endTime":817.66,"body":"view. And then also you can you"},{"speaker":"Harry Benetto","startTime":817.66,"endTime":820.18,"body":"can track it from income growth"},{"speaker":"Harry Benetto","startTime":817.66,"endTime":820.18,"body":"as well."},{"speaker":"Victor Lagos","startTime":820.27,"endTime":823.24,"body":"So that's my next"},{"speaker":"Victor Lagos","startTime":820.27,"endTime":823.24,"body":"question is, so you working with"},{"speaker":"Victor Lagos","startTime":823.24,"endTime":827.92,"body":"investor that's got five"},{"speaker":"Victor Lagos","startTime":823.24,"endTime":827.92,"body":"properties. It's not that many"},{"speaker":"Victor Lagos","startTime":827.92,"endTime":830.41,"body":"out there that do but let's just"},{"speaker":"Victor Lagos","startTime":827.92,"endTime":830.41,"body":"say you are one of those"},{"speaker":"Victor Lagos","startTime":830.47,"endTime":833.98,"body":"investors. They come on and they"},{"speaker":"Victor Lagos","startTime":830.47,"endTime":833.98,"body":"want to get the six property"},{"speaker":"Victor Lagos","startTime":833.98,"endTime":838.78,"body":"with you guys can now use the"},{"speaker":"Victor Lagos","startTime":833.98,"endTime":838.78,"body":"app to plug in the data from all"},{"speaker":"Victor Lagos","startTime":838.78,"endTime":843.73,"body":"their existing properties, and"},{"speaker":"Victor Lagos","startTime":838.78,"endTime":843.73,"body":"track the performance from a"},{"speaker":"Victor Lagos","startTime":843.73,"endTime":846.85,"body":"cash flow perspective. And of"},{"speaker":"Victor Lagos","startTime":843.73,"endTime":846.85,"body":"course, the capital growth that"},{"speaker":"Victor Lagos","startTime":846.85,"endTime":849.61,"body":"that property has had, since"},{"speaker":"Victor Lagos","startTime":846.85,"endTime":849.61,"body":"they've owned it, and I guess"},{"speaker":"Victor Lagos","startTime":849.61,"endTime":851.17,"body":"the projected growth of where"},{"speaker":"Victor Lagos","startTime":849.61,"endTime":851.17,"body":"it's going."},{"speaker":"Harry Benetto","startTime":851.68,"endTime":854.23,"body":"Yeah, absolutely."},{"speaker":"Harry Benetto","startTime":851.68,"endTime":854.23,"body":"So many of our clients will have"},{"speaker":"Harry Benetto","startTime":854.23,"endTime":857.14,"body":"existing properties within their"},{"speaker":"Harry Benetto","startTime":854.23,"endTime":857.14,"body":"portfolio might be the place"},{"speaker":"Harry Benetto","startTime":857.14,"endTime":859.09,"body":"they live in, it might be"},{"speaker":"Harry Benetto","startTime":857.14,"endTime":859.09,"body":"another couple of investment"},{"speaker":"Harry Benetto","startTime":859.09,"endTime":862.6,"body":"properties. And they will upload"},{"speaker":"Harry Benetto","startTime":859.09,"endTime":862.6,"body":"the data of those properties"},{"speaker":"Harry Benetto","startTime":862.63,"endTime":866.83,"body":"that we haven't helped, but and"},{"speaker":"Harry Benetto","startTime":862.63,"endTime":866.83,"body":"it just gives us an overall view"},{"speaker":"Harry Benetto","startTime":866.83,"endTime":869.95,"body":"of their entire property"},{"speaker":"Harry Benetto","startTime":866.83,"endTime":869.95,"body":"portfolio. So it's really handy"},{"speaker":"Harry Benetto","startTime":869.95,"endTime":873.31,"body":"from like, watching an equity"},{"speaker":"Harry Benetto","startTime":869.95,"endTime":873.31,"body":"growth point of view, getting"},{"speaker":"Harry Benetto","startTime":873.34,"endTime":876.61,"body":"tax market smart recommendations"},{"speaker":"Harry Benetto","startTime":873.34,"endTime":876.61,"body":"to decide what to do next,"},{"speaker":"Harry Benetto","startTime":876.61,"endTime":882.37,"body":"whether it's to buy or sell or"},{"speaker":"Harry Benetto","startTime":876.61,"endTime":882.37,"body":"really take a long term view on"},{"speaker":"Harry Benetto","startTime":882.64,"endTime":885.52,"body":"how to how to approach their"},{"speaker":"Harry Benetto","startTime":882.64,"endTime":885.52,"body":"property wealth creation."},{"speaker":"Victor Lagos","startTime":885.0,"endTime":887.55,"body":"I guess it's"},{"speaker":"Victor Lagos","startTime":885.0,"endTime":887.55,"body":"really about optimizing their"},{"speaker":"Victor Lagos","startTime":885.0,"endTime":893.145,"body":"Yeah, so we've got a Financials"},{"speaker":"Victor Lagos","startTime":885.0,"endTime":893.145,"body":"tab on our app. So we're doing"},{"speaker":"Victor Lagos","startTime":887.55,"endTime":890.58,"body":"existing portfolio and it might"},{"speaker":"Victor Lagos","startTime":887.55,"endTime":890.58,"body":"be time to sell it if it hasn't"},{"speaker":"Victor Lagos","startTime":890.58,"endTime":894.45,"body":"performed and that would free up"},{"speaker":"Victor Lagos","startTime":890.58,"endTime":894.45,"body":"some capital and some borrowing"},{"speaker":"Victor Lagos","startTime":893.276,"endTime":901.159,"body":"the property recommendation, the"},{"speaker":"Victor Lagos","startTime":893.276,"endTime":901.159,"body":"property tracking, but then"},{"speaker":"Victor Lagos","startTime":894.45,"endTime":897.51,"body":"capacity to to get another one."},{"speaker":"Victor Lagos","startTime":894.45,"endTime":897.51,"body":"Yeah, better performing"},{"speaker":"Victor Lagos","startTime":897.66,"endTime":902.61,"body":"property. What about the actual"},{"speaker":"Victor Lagos","startTime":897.66,"endTime":902.61,"body":"All expenses, including the"},{"speaker":"Victor Lagos","startTime":901.29,"endTime":909.567,"body":"we've also got the affordability"},{"speaker":"Victor Lagos","startTime":901.29,"endTime":909.567,"body":"tests there. So you can get an"},{"speaker":"Victor Lagos","startTime":902.61,"endTime":907.02,"body":"loans, because a lot of that"},{"speaker":"Victor Lagos","startTime":902.61,"endTime":907.02,"body":"available in terms of data, you"},{"speaker":"Victor Lagos","startTime":907.02,"endTime":912.33,"body":"can plug into your net bank. And"},{"speaker":"Victor Lagos","startTime":907.02,"endTime":912.33,"body":"that will obviously feed in with"},{"speaker":"Victor Lagos","startTime":909.698,"endTime":916.792,"body":"understanding of what that"},{"speaker":"Victor Lagos","startTime":909.698,"endTime":916.792,"body":"initial investment might be"},{"speaker":"Victor Lagos","startTime":912.33,"endTime":916.14,"body":"bank feeds that border your"},{"speaker":"Victor Lagos","startTime":912.33,"endTime":916.14,"body":"property expenses that are"},{"speaker":"Victor Lagos","startTime":916.14,"endTime":919.83,"body":"coming out how much rental"},{"speaker":"Victor Lagos","startTime":916.14,"endTime":919.83,"body":"income is being deposited. And"},{"speaker":"Victor Lagos","startTime":916.924,"endTime":924.544,"body":"based on property. It's a"},{"speaker":"Victor Lagos","startTime":916.924,"endTime":924.544,"body":"$600,000 10% or 20%. Deposit all"},{"speaker":"Victor Lagos","startTime":919.83,"endTime":923.13,"body":"then, you know, what's the"},{"speaker":"Victor Lagos","startTime":919.83,"endTime":923.13,"body":"repayment for your for your"},{"speaker":"Victor Lagos","startTime":923.13,"endTime":928.02,"body":"mortgage? Do you guys allow for"},{"speaker":"Victor Lagos","startTime":923.13,"endTime":928.02,"body":"those sort of API connections?"},{"speaker":"Victor Lagos","startTime":924.675,"endTime":932.426,"body":"the associated costs, whether"},{"speaker":"Victor Lagos","startTime":924.675,"endTime":932.426,"body":"it's stamp, duty conveyancing"},{"speaker":"Victor Lagos","startTime":928.02,"endTime":931.23,"body":"Where don't don't have to"},{"speaker":"Victor Lagos","startTime":928.02,"endTime":931.23,"body":"manually, you know, type that"},{"speaker":"Victor Lagos","startTime":931.23,"endTime":932.28,"body":"information in themselves?"},{"speaker":"Victor Lagos","startTime":932.0,"endTime":987.32,"body":"Okay. So it's not like we just"},{"speaker":"Victor Lagos","startTime":932.0,"endTime":987.32,"body":"categorize it from their bank"},{"speaker":"Victor Lagos","startTime":932.558,"endTime":941.097,"body":"pest building, and buyer's agent"},{"speaker":"Victor Lagos","startTime":932.558,"endTime":941.097,"body":"fee and buyer's agent fee. Yeah."},{"speaker":"Victor Lagos","startTime":941.228,"endTime":949.374,"body":"And then also you can, you can"},{"speaker":"Victor Lagos","startTime":941.228,"endTime":949.374,"body":"get an overall view of what its"},{"speaker":"Victor Lagos","startTime":949.505,"endTime":957.256,"body":"gonna look like based on an"},{"speaker":"Victor Lagos","startTime":949.505,"endTime":957.256,"body":"estimated rental yield, and any"},{"speaker":"Victor Lagos","startTime":957.388,"endTime":965.139,"body":"other costs that are involved."},{"speaker":"Victor Lagos","startTime":957.388,"endTime":965.139,"body":"So property manager fees, or"},{"speaker":"Victor Lagos","startTime":965.27,"endTime":973.547,"body":"council rates as well. But this"},{"speaker":"Victor Lagos","startTime":965.27,"endTime":973.547,"body":"is estimates. But when it comes"},{"speaker":"Victor Lagos","startTime":973.678,"endTime":981.167,"body":"to actuals, and you want to sort"},{"speaker":"Victor Lagos","startTime":973.678,"endTime":981.167,"body":"of monitor your existing"},{"speaker":"Victor Lagos","startTime":981.298,"endTime":989.312,"body":"portfolio, yeah, you have to"},{"speaker":"Victor Lagos","startTime":981.298,"endTime":989.312,"body":"plug that in yourself. We assist"},{"speaker":"Victor Lagos","startTime":987.35,"endTime":989.75,"body":"sort of thing, we say, look that"},{"speaker":"Victor Lagos","startTime":987.35,"endTime":989.75,"body":"was related to this property,"},{"speaker":"Victor Lagos","startTime":989.443,"endTime":996.8,"body":"our clients to buy, we can do it"},{"speaker":"Victor Lagos","startTime":989.443,"endTime":996.8,"body":"for them, but for other"},{"speaker":"Victor Lagos","startTime":989.75,"endTime":993.35,"body":"and it will sort of credit rule"},{"speaker":"Victor Lagos","startTime":989.75,"endTime":993.35,"body":"or remember, it's not like that,"},{"speaker":"Victor Lagos","startTime":993.35,"endTime":996.38,"body":"where you can do it with, say,"},{"speaker":"Victor Lagos","startTime":993.35,"endTime":996.38,"body":"zero, counting software or other"},{"speaker":"Victor Lagos","startTime":996.38,"endTime":997.25,"body":"sort of wealth."},{"speaker":"Victor Lagos","startTime":996.932,"endTime":1006.26,"body":"properties that they own, then"},{"speaker":"Victor Lagos","startTime":996.932,"endTime":1006.26,"body":"yeah, they'd have to upload it manually."},{"speaker":"Harry Benetto","startTime":997.55,"endTime":1000.25,"body":"Not yet, but it"},{"speaker":"Harry Benetto","startTime":997.55,"endTime":1000.25,"body":"could definitely be something"},{"speaker":"Harry Benetto","startTime":1000.25,"endTime":1002.32,"body":"we're working on to say,"},{"speaker":"Victor Lagos","startTime":1002.38,"endTime":1004.36,"body":"yeah, that's,"},{"speaker":"Victor Lagos","startTime":1002.38,"endTime":1004.36,"body":"that's sort of the solution that"},{"speaker":"Victor Lagos","startTime":1004.36,"endTime":1008.83,"body":"I'd like to be able to offer my"},{"speaker":"Victor Lagos","startTime":1004.36,"endTime":1008.83,"body":"clients. Because yeah, it is"},{"speaker":"Victor Lagos","startTime":1008.83,"endTime":1012.31,"body":"hard to sort of track and come"},{"speaker":"Victor Lagos","startTime":1008.83,"endTime":1012.31,"body":"text on your account, it's gonna"},{"speaker":"Victor Lagos","startTime":1012.31,"endTime":1014.98,"body":"ask for all that information, be"},{"speaker":"Victor Lagos","startTime":1012.31,"endTime":1014.98,"body":"good to sort of say, Here you"},{"speaker":"Victor Lagos","startTime":1014.98,"endTime":1017.83,"body":"go. This is accurate, it's been"},{"speaker":"Victor Lagos","startTime":1014.98,"endTime":1017.83,"body":"pulled straight from the bank"},{"speaker":"Victor Lagos","startTime":1017.83,"endTime":1021.73,"body":"statements. And then, you know,"},{"speaker":"Victor Lagos","startTime":1017.83,"endTime":1021.73,"body":"store all the counter rates and"},{"speaker":"Victor Lagos","startTime":1021.73,"endTime":1025.06,"body":"the water rights, and you know,"},{"speaker":"Victor Lagos","startTime":1021.73,"endTime":1025.06,"body":"the insurance policies all in"},{"speaker":"Victor Lagos","startTime":1025.06,"endTime":1028.24,"body":"one place, and they share, and"},{"speaker":"Victor Lagos","startTime":1025.06,"endTime":1028.24,"body":"then they've got it. And you"},{"speaker":"Victor Lagos","startTime":1028.24,"endTime":1030.76,"body":"don't have to try to save it all"},{"speaker":"Victor Lagos","startTime":1028.24,"endTime":1030.76,"body":"in your folders and try and dig"},{"speaker":"Victor Lagos","startTime":1030.76,"endTime":1034.75,"body":"it up tax type something in one"},{"speaker":"Victor Lagos","startTime":1030.76,"endTime":1034.75,"body":"place. So that'd be good. Watch"},{"speaker":"Victor Lagos","startTime":1034.75,"endTime":1038.05,"body":"the space guys. Sounds like"},{"speaker":"Victor Lagos","startTime":1034.75,"endTime":1038.05,"body":"these guys are on a pretty cool"},{"speaker":"Victor Lagos","startTime":1038.05,"endTime":1043.45,"body":"trajectory. Alright, so the next"},{"speaker":"Victor Lagos","startTime":1038.05,"endTime":1043.45,"body":"question I've got is, not many"},{"speaker":"Victor Lagos","startTime":1043.45,"endTime":1045.79,"body":"people know this? Well, I'm"},{"speaker":"Victor Lagos","startTime":1043.45,"endTime":1045.79,"body":"aware of it, because we've"},{"speaker":"Victor Lagos","startTime":1045.79,"endTime":1050.95,"body":"spoken about it is that proper"},{"speaker":"Victor Lagos","startTime":1045.79,"endTime":1050.95,"body":"error is not just for Australian"},{"speaker":"Victor Lagos","startTime":1050.95,"endTime":1053.89,"body":"customers. It's also"},{"speaker":"Victor Lagos","startTime":1050.95,"endTime":1053.89,"body":"international customers, because"},{"speaker":"Victor Lagos","startTime":1053.89,"endTime":1058.21,"body":"one of the founders, Pablo is"},{"speaker":"Victor Lagos","startTime":1053.89,"endTime":1058.21,"body":"actually from Spain. And you"},{"speaker":"Victor Lagos","startTime":1058.21,"endTime":1061.81,"body":"guys buy properties for people"},{"speaker":"Victor Lagos","startTime":1058.21,"endTime":1061.81,"body":"living in Spain, but also for"},{"speaker":"Victor Lagos","startTime":1061.81,"endTime":1064.48,"body":"Australians that want to buy"},{"speaker":"Victor Lagos","startTime":1061.81,"endTime":1064.48,"body":"properties in Spain. Is that"},{"speaker":"Victor Lagos","startTime":1064.48,"endTime":1064.72,"body":"right?"},{"speaker":"Harry Benetto","startTime":1065.14,"endTime":1067.6,"body":"Yeah, that's"},{"speaker":"Harry Benetto","startTime":1065.14,"endTime":1067.6,"body":"right. So the bulk of our"},{"speaker":"Harry Benetto","startTime":1067.6,"endTime":1070.96,"body":"traffic we are doing is for"},{"speaker":"Harry Benetto","startTime":1067.6,"endTime":1070.96,"body":"local Spanish people buying in"},{"speaker":"Harry Benetto","startTime":1070.96,"endTime":1075.4,"body":"Spain. And it's a really"},{"speaker":"Harry Benetto","startTime":1070.96,"endTime":1075.4,"body":"exciting market, there's there's"},{"speaker":"Harry Benetto","startTime":1075.4,"endTime":1079.15,"body":"a much lower entry point for"},{"speaker":"Harry Benetto","startTime":1075.4,"endTime":1079.15,"body":"buying properties. So some of"},{"speaker":"Harry Benetto","startTime":1079.15,"endTime":1082.03,"body":"our clients are buying"},{"speaker":"Harry Benetto","startTime":1079.15,"endTime":1082.03,"body":"properties for anywhere between"},{"speaker":"Harry Benetto","startTime":1082.03,"endTime":1086.35,"body":"sort of 50 and 90,000 euros. So"},{"speaker":"Harry Benetto","startTime":1082.03,"endTime":1086.35,"body":"pretty much in our houses or"},{"speaker":"Harry Benetto","startTime":1086.35,"endTime":1090.52,"body":"apartments, apartments, within"},{"speaker":"Harry Benetto","startTime":1086.35,"endTime":1090.52,"body":"one of the major cities, they're"},{"speaker":"Harry Benetto","startTime":1090.52,"endTime":1095.02,"body":"not Barcelona or Madrid. So it's"},{"speaker":"Harry Benetto","startTime":1090.52,"endTime":1095.02,"body":"a very interesting market. It's"},{"speaker":"Harry Benetto","startTime":1095.05,"endTime":1097.15,"body":"it's kind of similar to"},{"speaker":"Harry Benetto","startTime":1095.05,"endTime":1097.15,"body":"Australia, where Sydney and"},{"speaker":"Harry Benetto","startTime":1097.15,"endTime":1099.82,"body":"Melbourne being really inflated"},{"speaker":"Harry Benetto","startTime":1097.15,"endTime":1099.82,"body":"relative to the rest of the"},{"speaker":"Harry Benetto","startTime":1099.82,"endTime":1102.25,"body":"country. And there's a lot of"},{"speaker":"Harry Benetto","startTime":1099.82,"endTime":1102.25,"body":"value in say the regional"},{"speaker":"Harry Benetto","startTime":1102.25,"endTime":1105.19,"body":"centers that are still Yeah,"},{"speaker":"Harry Benetto","startTime":1102.25,"endTime":1105.19,"body":"several 100,000 people living"},{"speaker":"Harry Benetto","startTime":1105.19,"endTime":1109.66,"body":"there. And, yeah, the business"},{"speaker":"Harry Benetto","startTime":1105.19,"endTime":1109.66,"body":"is going really well. We're now"},{"speaker":"Harry Benetto","startTime":1109.66,"endTime":1113.29,"body":"doing half our revenue over"},{"speaker":"Harry Benetto","startTime":1109.66,"endTime":1113.29,"body":"there. It's totally uncharted"},{"speaker":"Harry Benetto","startTime":1113.29,"endTime":1116.08,"body":"territory. There's not that"},{"speaker":"Harry Benetto","startTime":1113.29,"endTime":1116.08,"body":"property investing madness, like"},{"speaker":"Harry Benetto","startTime":1116.08,"endTime":1119.26,"body":"we haven't Australia, but you"},{"speaker":"Harry Benetto","startTime":1116.08,"endTime":1119.26,"body":"know, in a few years time, with"},{"speaker":"Harry Benetto","startTime":1119.26,"endTime":1121.24,"body":"the impact that we're having"},{"speaker":"Harry Benetto","startTime":1119.26,"endTime":1121.24,"body":"there hopefully, will be"},{"speaker":"Victor Lagos","startTime":1121.48,"endTime":1123.61,"body":"Wow, that really"},{"speaker":"Victor Lagos","startTime":1121.48,"endTime":1123.61,"body":"sounds interesting. So if"},{"speaker":"Victor Lagos","startTime":1123.61,"endTime":1126.97,"body":"someone wanted to buy a property"},{"speaker":"Victor Lagos","startTime":1123.61,"endTime":1126.97,"body":"in Spain, that lived in"},{"speaker":"Victor Lagos","startTime":1126.97,"endTime":1129.52,"body":"Australia, they would need cash"},{"speaker":"Victor Lagos","startTime":1126.97,"endTime":1129.52,"body":"because they can't borrow from"},{"speaker":"Victor Lagos","startTime":1129.79,"endTime":1132.46,"body":"Spanish banks, unless they were"},{"speaker":"Victor Lagos","startTime":1129.79,"endTime":1132.46,"body":"living there and earning an"},{"speaker":"Victor Lagos","startTime":1132.46,"endTime":1133.12,"body":"income there."},{"speaker":"Harry Benetto","startTime":1133.0,"endTime":1135.37,"body":"That's right."},{"speaker":"Harry Benetto","startTime":1133.0,"endTime":1135.37,"body":"Yeah. So I mean, in chat, chat"},{"speaker":"Harry Benetto","startTime":1135.37,"endTime":1137.17,"body":"with your mortgage broker or"},{"speaker":"Harry Benetto","startTime":1135.37,"endTime":1137.17,"body":"chat with Victor, that's for"},{"speaker":"Harry Benetto","startTime":1137.17,"endTime":1143.86,"body":"sure. But we have helped us ease"},{"speaker":"Harry Benetto","startTime":1137.17,"endTime":1143.86,"body":"buy properties in Spain. We're"},{"speaker":"Harry Benetto","startTime":1143.86,"endTime":1147.43,"body":"not doing as much as what we"},{"speaker":"Harry Benetto","startTime":1143.86,"endTime":1147.43,"body":"what we do, say buying in"},{"speaker":"Harry Benetto","startTime":1147.43,"endTime":1153.04,"body":"Australia because of that. So"},{"speaker":"Harry Benetto","startTime":1147.43,"endTime":1153.04,"body":"but the, the investment over"},{"speaker":"Harry Benetto","startTime":1153.04,"endTime":1156.28,"body":"they're very attractive, like"},{"speaker":"Harry Benetto","startTime":1153.04,"endTime":1156.28,"body":"the gross rental yield is"},{"speaker":"Harry Benetto","startTime":1156.37,"endTime":1159.79,"body":"usually around that 11% mark,"},{"speaker":"Harry Benetto","startTime":1156.37,"endTime":1159.79,"body":"and then percent gross,"},{"speaker":"Victor Lagos","startTime":1159.82,"endTime":1161.35,"body":"but what are the"},{"speaker":"Victor Lagos","startTime":1159.82,"endTime":1161.35,"body":"expenses"},{"speaker":"Harry Benetto","startTime":1161.95,"endTime":1165.46,"body":"usually finishes"},{"speaker":"Harry Benetto","startTime":1161.95,"endTime":1165.46,"body":"up seven or 8%. So, you know,"},{"speaker":"Harry Benetto","startTime":1165.46,"endTime":1167.62,"body":"some of our more mature"},{"speaker":"Harry Benetto","startTime":1165.46,"endTime":1167.62,"body":"investors once they've got"},{"speaker":"Harry Benetto","startTime":1167.62,"endTime":1171.55,"body":"several more growth. Targeted"},{"speaker":"Harry Benetto","startTime":1167.62,"endTime":1171.55,"body":"properties might be looking at"},{"speaker":"Harry Benetto","startTime":1171.55,"endTime":1174.82,"body":"this strategy down the track,"},{"speaker":"Harry Benetto","startTime":1171.55,"endTime":1174.82,"body":"just purely from a an income"},{"speaker":"Harry Benetto","startTime":1174.82,"endTime":1178.33,"body":"point of view. So yeah, it's a"},{"speaker":"Harry Benetto","startTime":1174.82,"endTime":1178.33,"body":"really interesting market."},{"speaker":"Harry Benetto","startTime":1178.36,"endTime":1181.87,"body":"There's still plenty of growth"},{"speaker":"Harry Benetto","startTime":1178.36,"endTime":1181.87,"body":"there. And yeah, a very low"},{"speaker":"Harry Benetto","startTime":1181.87,"endTime":1182.47,"body":"entry point."},{"speaker":"Victor Lagos","startTime":1182.65,"endTime":1186.55,"body":"So if someone did"},{"speaker":"Victor Lagos","startTime":1182.65,"endTime":1186.55,"body":"have the cash, there'll be about"},{"speaker":"Victor Lagos","startTime":1186.58,"endTime":1190.15,"body":"150,000 there abouts. Maybe a"},{"speaker":"Victor Lagos","startTime":1186.58,"endTime":1190.15,"body":"little bit more Australian"},{"speaker":"Victor Lagos","startTime":1190.15,"endTime":1191.95,"body":"dollars, usually a bit less bit"},{"speaker":"Victor Lagos","startTime":1190.15,"endTime":1191.95,"body":"less."},{"speaker":"Harry Benetto","startTime":1191.98,"endTime":1194.98,"body":"Yeah, I mean,"},{"speaker":"Harry Benetto","startTime":1191.98,"endTime":1194.98,"body":"from an Aussie cash point of"},{"speaker":"Harry Benetto","startTime":1194.98,"endTime":1197.53,"body":"view to zero that 120 Okay,"},{"speaker":"Victor Lagos","startTime":1197.8,"endTime":1200.89,"body":"so let's just say"},{"speaker":"Victor Lagos","startTime":1197.8,"endTime":1200.89,"body":"it was 123000 Isn't, and then"},{"speaker":"Victor Lagos","startTime":1200.89,"endTime":1208.87,"body":"they were getting an 8%. Net"},{"speaker":"Victor Lagos","startTime":1200.89,"endTime":1208.87,"body":"Return. That's $9,600 a year,"},{"speaker":"Victor Lagos","startTime":1208.99,"endTime":1214.39,"body":"they're getting cash flow. So"},{"speaker":"Victor Lagos","startTime":1208.99,"endTime":1214.39,"body":"that's, that's already $185 a"},{"speaker":"Victor Lagos","startTime":1214.39,"endTime":1219.31,"body":"week, they're getting just by"},{"speaker":"Victor Lagos","startTime":1214.39,"endTime":1219.31,"body":"putting 120,000 down. However,"},{"speaker":"Victor Lagos","startTime":1219.58,"endTime":1222.31,"body":"people always look at a"},{"speaker":"Victor Lagos","startTime":1219.58,"endTime":1222.31,"body":"combination of capital growth as"},{"speaker":"Victor Lagos","startTime":1222.31,"endTime":1226.03,"body":"well as, as well as cash flow,"},{"speaker":"Victor Lagos","startTime":1222.31,"endTime":1226.03,"body":"right? Because that's the power"},{"speaker":"Victor Lagos","startTime":1226.03,"endTime":1230.02,"body":"of property. Because you usually"},{"speaker":"Victor Lagos","startTime":1226.03,"endTime":1230.02,"body":"can leverage, which allows you"},{"speaker":"Victor Lagos","startTime":1230.02,"endTime":1233.5,"body":"to expand your, what you put in"},{"speaker":"Victor Lagos","startTime":1230.02,"endTime":1233.5,"body":"versus what the value you're"},{"speaker":"Victor Lagos","startTime":1233.5,"endTime":1236.08,"body":"getting in the market. But this"},{"speaker":"Victor Lagos","startTime":1233.5,"endTime":1236.08,"body":"one, because they're buying it"},{"speaker":"Victor Lagos","startTime":1236.17,"endTime":1239.41,"body":"in cash, then really, they want"},{"speaker":"Victor Lagos","startTime":1236.17,"endTime":1239.41,"body":"to know that that they're going"},{"speaker":"Victor Lagos","startTime":1239.41,"endTime":1242.35,"body":"to get a return on that not just"},{"speaker":"Victor Lagos","startTime":1239.41,"endTime":1242.35,"body":"the cash flow. So what sort of"},{"speaker":"Victor Lagos","startTime":1242.41,"endTime":1245.38,"body":"growth percentages? Are you"},{"speaker":"Victor Lagos","startTime":1242.41,"endTime":1245.38,"body":"looking at? If someone was to"},{"speaker":"Victor Lagos","startTime":1245.38,"endTime":1246.19,"body":"buy it in Spain?"},{"speaker":"Harry Benetto","startTime":1247.09,"endTime":1249.82,"body":"Yeah, I'd have to"},{"speaker":"Harry Benetto","startTime":1247.09,"endTime":1249.82,"body":"just refresh the exact numbers."},{"speaker":"Harry Benetto","startTime":1249.82,"endTime":1255.01,"body":"But I, I believe it's been, it's"},{"speaker":"Harry Benetto","startTime":1249.82,"endTime":1255.01,"body":"been marginally lower than what"},{"speaker":"Harry Benetto","startTime":1255.01,"endTime":1260.59,"body":"we've seen in Australia. So in"},{"speaker":"Harry Benetto","startTime":1255.01,"endTime":1260.59,"body":"2022, we did 12 or 13%. Capital"},{"speaker":"Harry Benetto","startTime":1260.59,"endTime":1265.63,"body":"growth in Australia, I think we"},{"speaker":"Harry Benetto","startTime":1260.59,"endTime":1265.63,"body":"did close to 5% in Spain in"},{"speaker":"Harry Benetto","startTime":1265.75,"endTime":1266.44,"body":"2022."},{"speaker":"Victor Lagos","startTime":1266.72,"endTime":1269.69,"body":"Okay, now I"},{"speaker":"Victor Lagos","startTime":1266.72,"endTime":1269.69,"body":"understand. So, realistically,"},{"speaker":"Victor Lagos","startTime":1269.75,"endTime":1274.28,"body":"it's still a good cash flow"},{"speaker":"Victor Lagos","startTime":1269.75,"endTime":1274.28,"body":"return. Because if you're not,"},{"speaker":"Victor Lagos","startTime":1274.88,"endTime":1277.04,"body":"because people need income,"},{"speaker":"Victor Lagos","startTime":1274.88,"endTime":1277.04,"body":"right. And the whole point of"},{"speaker":"Victor Lagos","startTime":1277.04,"endTime":1280.61,"body":"this podcast is to teach people,"},{"speaker":"Victor Lagos","startTime":1277.04,"endTime":1280.61,"body":"different strategies and"},{"speaker":"Victor Lagos","startTime":1280.61,"endTime":1284.18,"body":"insights that's going to allow"},{"speaker":"Victor Lagos","startTime":1280.61,"endTime":1284.18,"body":"them to create multiple streams"},{"speaker":"Victor Lagos","startTime":1284.18,"endTime":1287.15,"body":"of income, that's going to get"},{"speaker":"Victor Lagos","startTime":1284.18,"endTime":1287.15,"body":"them to financial freedom."},{"speaker":"Harry Benetto","startTime":1287.3,"endTime":1289.52,"body":"Yeah, definitely."},{"speaker":"Harry Benetto","startTime":1287.3,"endTime":1289.52,"body":"I think one last thing I'd say"},{"speaker":"Harry Benetto","startTime":1289.52,"endTime":1294.08,"body":"about it is that where the value"},{"speaker":"Harry Benetto","startTime":1289.52,"endTime":1294.08,"body":"might be, and sure it is a cash"},{"speaker":"Harry Benetto","startTime":1294.08,"endTime":1298.97,"body":"purchase, whether it's through"},{"speaker":"Harry Benetto","startTime":1294.08,"endTime":1298.97,"body":"equity, or pure cash, but a lot"},{"speaker":"Harry Benetto","startTime":1298.97,"endTime":1301.67,"body":"of a lot of our clients are"},{"speaker":"Harry Benetto","startTime":1298.97,"endTime":1301.67,"body":"benefiting in Spain,"},{"speaker":"Harry Benetto","startTime":1301.67,"endTime":1304.28,"body":"particularly with like"},{"speaker":"Harry Benetto","startTime":1301.67,"endTime":1304.28,"body":"significantly. Market"},{"speaker":"Harry Benetto","startTime":1304.28,"endTime":1308.72,"body":"properties. Because it's a far"},{"speaker":"Harry Benetto","startTime":1304.28,"endTime":1308.72,"body":"less mature property market"},{"speaker":"Harry Benetto","startTime":1308.72,"endTime":1311.15,"body":"there. Like you go on the real"},{"speaker":"Harry Benetto","startTime":1308.72,"endTime":1311.15,"body":"estate apps there, you'll see"},{"speaker":"Harry Benetto","startTime":1311.15,"endTime":1314.39,"body":"most people have taken taking"},{"speaker":"Harry Benetto","startTime":1311.15,"endTime":1314.39,"body":"the photos themselves, they"},{"speaker":"Harry Benetto","startTime":1314.39,"endTime":1317.03,"body":"haven't like, tidied up the"},{"speaker":"Harry Benetto","startTime":1314.39,"endTime":1317.03,"body":"places for them selling them,"},{"speaker":"Harry Benetto","startTime":1317.06,"endTime":1320.03,"body":"there's not really that same"},{"speaker":"Harry Benetto","startTime":1317.06,"endTime":1320.03,"body":"like, same maturity that you"},{"speaker":"Harry Benetto","startTime":1320.03,"endTime":1322.1,"body":"have in Australia, where you try"},{"speaker":"Harry Benetto","startTime":1320.03,"endTime":1322.1,"body":"and make it look as good as"},{"speaker":"Harry Benetto","startTime":1322.1,"endTime":1324.17,"body":"possible, you do a minor"},{"speaker":"Harry Benetto","startTime":1322.1,"endTime":1324.17,"body":"renovation to try and get an"},{"speaker":"Harry Benetto","startTime":1324.17,"endTime":1327.59,"body":"extra, you know, 10% on the sale"},{"speaker":"Harry Benetto","startTime":1324.17,"endTime":1327.59,"body":"price. So there's always huge"},{"speaker":"Harry Benetto","startTime":1327.59,"endTime":1330.02,"body":"opportunity, getting discounted"},{"speaker":"Harry Benetto","startTime":1327.59,"endTime":1330.02,"body":"property sale, which is what a"},{"speaker":"Harry Benetto","startTime":1330.02,"endTime":1332.06,"body":"lot of our clients benefit from"},{"speaker":"Harry Benetto","startTime":1330.02,"endTime":1332.06,"body":"by using us."},{"speaker":"Victor Lagos","startTime":1332.39,"endTime":1335.96,"body":"And over here, if"},{"speaker":"Victor Lagos","startTime":1332.39,"endTime":1335.96,"body":"you were to buy a property, and"},{"speaker":"Victor Lagos","startTime":1336.05,"endTime":1338.75,"body":"you bought on the market, you"},{"speaker":"Victor Lagos","startTime":1336.05,"endTime":1338.75,"body":"waited till it had some growth,"},{"speaker":"Victor Lagos","startTime":1339.17,"endTime":1342.2,"body":"you touched on it earlier, where"},{"speaker":"Victor Lagos","startTime":1339.17,"endTime":1342.2,"body":"you want to go for the next one,"},{"speaker":"Victor Lagos","startTime":1342.23,"endTime":1345.77,"body":"because you can, if you have the"},{"speaker":"Victor Lagos","startTime":1342.23,"endTime":1345.77,"body":"borrowing capacity, you can"},{"speaker":"Victor Lagos","startTime":1345.92,"endTime":1349.28,"body":"extract the equity from that"},{"speaker":"Victor Lagos","startTime":1345.92,"endTime":1349.28,"body":"existing property because it's"},{"speaker":"Victor Lagos","startTime":1349.28,"endTime":1351.65,"body":"gone up in value, or you"},{"speaker":"Victor Lagos","startTime":1349.28,"endTime":1351.65,"body":"obviously bought it on the"},{"speaker":"Victor Lagos","startTime":1351.65,"endTime":1355.16,"body":"market, and then use that as a"},{"speaker":"Victor Lagos","startTime":1351.65,"endTime":1355.16,"body":"deposit for the next one. In"},{"speaker":"Victor Lagos","startTime":1355.16,"endTime":1358.82,"body":"Spain, if you want to do the"},{"speaker":"Victor Lagos","startTime":1355.16,"endTime":1358.82,"body":"same and buy on the market, and"},{"speaker":"Victor Lagos","startTime":1358.82,"endTime":1361.4,"body":"you're sitting on all this"},{"speaker":"Victor Lagos","startTime":1358.82,"endTime":1361.4,"body":"equity. What do you do with it?"},{"speaker":"Victor Lagos","startTime":1361.46,"endTime":1364.28,"body":"If you can't borrow it to use it"},{"speaker":"Victor Lagos","startTime":1361.46,"endTime":1364.28,"body":"for the next one? Yeah. Is it"},{"speaker":"Victor Lagos","startTime":1364.28,"endTime":1367.58,"body":"more you, when you sell the"},{"speaker":"Victor Lagos","startTime":1364.28,"endTime":1367.58,"body":"property, you can kind of, you"},{"speaker":"Victor Lagos","startTime":1367.58,"endTime":1369.56,"body":"know, say, Look, now I've made"},{"speaker":"Victor Lagos","startTime":1367.58,"endTime":1369.56,"body":"all this money, but then you"},{"speaker":"Victor Lagos","startTime":1369.56,"endTime":1370.4,"body":"lose the cash flow."},{"speaker":"Harry Benetto","startTime":1370.0,"endTime":1373.48,"body":"If you're earning"},{"speaker":"Harry Benetto","startTime":1370.0,"endTime":1373.48,"body":"Aussie dollars, and you've got a"},{"speaker":"Harry Benetto","startTime":1373.48,"endTime":1376.75,"body":"Spanish property portfolio, it's"},{"speaker":"Harry Benetto","startTime":1373.48,"endTime":1376.75,"body":"really up to you what you want"},{"speaker":"Harry Benetto","startTime":1376.75,"endTime":1380.89,"body":"to do with it. You'll build up"},{"speaker":"Harry Benetto","startTime":1376.75,"endTime":1380.89,"body":"the cash flow steadily. If there"},{"speaker":"Harry Benetto","startTime":1380.89,"endTime":1384.28,"body":"is significant value that's"},{"speaker":"Harry Benetto","startTime":1380.89,"endTime":1384.28,"body":"built up. Look, I'd have to just"},{"speaker":"Harry Benetto","startTime":1384.31,"endTime":1387.58,"body":"refresh on exactly what the"},{"speaker":"Harry Benetto","startTime":1384.31,"endTime":1387.58,"body":"lending requirements are. But I"},{"speaker":"Harry Benetto","startTime":1387.58,"endTime":1389.62,"body":"understand it's very difficult"},{"speaker":"Harry Benetto","startTime":1387.58,"endTime":1389.62,"body":"to borrow money if you've got an"},{"speaker":"Harry Benetto","startTime":1389.62,"endTime":1390.31,"body":"LT income."},{"speaker":"Victor Lagos","startTime":1390.4,"endTime":1393.79,"body":"Yeah, the types"},{"speaker":"Victor Lagos","startTime":1390.4,"endTime":1393.79,"body":"are targeted at Spanish locals."},{"speaker":"Harry Benetto","startTime":1393.82,"endTime":1394.33,"body":"Yeah,"},{"speaker":"Victor Lagos","startTime":1395.02,"endTime":1396.82,"body":"and do the same"},{"speaker":"Victor Lagos","startTime":1395.02,"endTime":1396.82,"body":"strategies that people do here."},{"speaker":"Harry Benetto","startTime":1396.97,"endTime":1399.43,"body":"I think like, if"},{"speaker":"Harry Benetto","startTime":1396.97,"endTime":1399.43,"body":"you're an Aussie, and you've got"},{"speaker":"Harry Benetto","startTime":1399.46,"endTime":1401.86,"body":"money in a different currency"},{"speaker":"Harry Benetto","startTime":1399.46,"endTime":1401.86,"body":"that tend to be a bit stronger"},{"speaker":"Harry Benetto","startTime":1401.86,"endTime":1406.12,"body":"than our, say, the euro. You"},{"speaker":"Harry Benetto","startTime":1401.86,"endTime":1406.12,"body":"know, over time, it can be very"},{"speaker":"Harry Benetto","startTime":1406.12,"endTime":1409.12,"body":"handy to have a second income"},{"speaker":"Harry Benetto","startTime":1406.12,"endTime":1409.12,"body":"stream for sure. Yeah."},{"speaker":"Victor Lagos","startTime":1409.0,"endTime":1412.09,"body":"So it can also"},{"speaker":"Victor Lagos","startTime":1409.0,"endTime":1412.09,"body":"just be, I guess, an investment"},{"speaker":"Victor Lagos","startTime":1412.09,"endTime":1416.62,"body":"for someone that wants to buy"},{"speaker":"Victor Lagos","startTime":1412.09,"endTime":1416.62,"body":"property in Australia, but they"},{"speaker":"Victor Lagos","startTime":1416.62,"endTime":1420.7,"body":"don't have much of a deposit. So"},{"speaker":"Victor Lagos","startTime":1416.62,"endTime":1420.7,"body":"they can sort of set forget, you"},{"speaker":"Victor Lagos","startTime":1420.7,"endTime":1424.51,"body":"know, buy 120 grand, set it"},{"speaker":"Victor Lagos","startTime":1420.7,"endTime":1424.51,"body":"forget it, you guys will help"},{"speaker":"Victor Lagos","startTime":1424.54,"endTime":1427.96,"body":"obviously with the the property"},{"speaker":"Victor Lagos","startTime":1424.54,"endTime":1427.96,"body":"manager. And anytime there's,"},{"speaker":"Victor Lagos","startTime":1428.23,"endTime":1430.96,"body":"you know, maintenance issues,"},{"speaker":"Victor Lagos","startTime":1428.23,"endTime":1430.96,"body":"obviously, how to navigate the"},{"speaker":"Victor Lagos","startTime":1430.96,"endTime":1433.99,"body":"interstate, let alone"},{"speaker":"Victor Lagos","startTime":1430.96,"endTime":1433.99,"body":"International, right. So then"},{"speaker":"Victor Lagos","startTime":1433.99,"endTime":1436.66,"body":"they don't have to worry about"},{"speaker":"Victor Lagos","startTime":1433.99,"endTime":1436.66,"body":"that. And then over time, the"},{"speaker":"Victor Lagos","startTime":1436.66,"endTime":1439.78,"body":"currency stronger goes up in"},{"speaker":"Victor Lagos","startTime":1436.66,"endTime":1439.78,"body":"value they bought on the market,"},{"speaker":"Victor Lagos","startTime":1440.14,"endTime":1444.16,"body":"they can eventually cash in on"},{"speaker":"Victor Lagos","startTime":1440.14,"endTime":1444.16,"body":"that. And that 120 may be worth,"},{"speaker":"Victor Lagos","startTime":1444.49,"endTime":1447.52,"body":"I don't know, 200 or more. And"},{"speaker":"Victor Lagos","startTime":1444.49,"endTime":1447.52,"body":"now all of a sudden they've got"},{"speaker":"Victor Lagos","startTime":1447.52,"endTime":1452.11,"body":"a larger deposit. They can use"},{"speaker":"Victor Lagos","startTime":1447.52,"endTime":1452.11,"body":"that as a contribution to buy"},{"speaker":"Victor Lagos","startTime":1452.11,"endTime":1454.78,"body":"something here. Yeah,"},{"speaker":"Victor Lagos","startTime":1452.11,"endTime":1454.78,"body":"definitely. Yeah. Cool. And you"},{"speaker":"Victor Lagos","startTime":1454.78,"endTime":1457.09,"body":"guys are also expanding it to"},{"speaker":"Victor Lagos","startTime":1454.78,"endTime":1457.09,"body":"other countries as well, not"},{"speaker":"Victor Lagos","startTime":1457.09,"endTime":1457.36,"body":"just"},{"speaker":"Harry Benetto","startTime":1458.11,"endTime":1461.89,"body":"Yeah, so the"},{"speaker":"Harry Benetto","startTime":1458.11,"endTime":1461.89,"body":"having European founders has"},{"speaker":"Harry Benetto","startTime":1461.89,"endTime":1466.27,"body":"really has really made, like our"},{"speaker":"Harry Benetto","startTime":1461.89,"endTime":1466.27,"body":"business model have a huge"},{"speaker":"Harry Benetto","startTime":1466.27,"endTime":1471.22,"body":"emphasis on global growth. So we"},{"speaker":"Harry Benetto","startTime":1466.27,"endTime":1471.22,"body":"were only in Australia for say"},{"speaker":"Harry Benetto","startTime":1471.22,"endTime":1475.36,"body":"six or seven months before we"},{"speaker":"Harry Benetto","startTime":1471.22,"endTime":1475.36,"body":"launch Spain. And we've got a"},{"speaker":"Harry Benetto","startTime":1475.36,"endTime":1478.06,"body":"couple of countries we're"},{"speaker":"Harry Benetto","startTime":1475.36,"endTime":1478.06,"body":"looking at very closely in"},{"speaker":"Harry Benetto","startTime":1478.06,"endTime":1482.5,"body":"Europe, and also a couple of"},{"speaker":"Harry Benetto","startTime":1478.06,"endTime":1482.5,"body":"countries in Asia that we're"},{"speaker":"Harry Benetto","startTime":1482.5,"endTime":1488.02,"body":"exploring at the moment. So it's"},{"speaker":"Harry Benetto","startTime":1482.5,"endTime":1488.02,"body":"more just a matter of when we're"},{"speaker":"Harry Benetto","startTime":1488.02,"endTime":1491.14,"body":"going to enter those markets and"},{"speaker":"Harry Benetto","startTime":1488.02,"endTime":1491.14,"body":"the growth we've experienced in"},{"speaker":"Harry Benetto","startTime":1491.14,"endTime":1493.48,"body":"both Australia and Spain. It's"},{"speaker":"Harry Benetto","startTime":1491.14,"endTime":1493.48,"body":"going to it's going to fuel that"},{"speaker":"Harry Benetto","startTime":1493.48,"endTime":1495.79,"body":"growth into these other"},{"speaker":"Harry Benetto","startTime":1493.48,"endTime":1495.79,"body":"international markets."},{"speaker":"Victor Lagos","startTime":1495.85,"endTime":1498.43,"body":"Yeah, and"},{"speaker":"Victor Lagos","startTime":1495.85,"endTime":1498.43,"body":"obviously the entry entry point"},{"speaker":"Victor Lagos","startTime":1498.43,"endTime":1501.55,"body":"is going to be similar maybe"},{"speaker":"Victor Lagos","startTime":1498.43,"endTime":1501.55,"body":"even better than getting into"},{"speaker":"Victor Lagos","startTime":1501.55,"endTime":1503.26,"body":"Spain. Right? Yes. You've talked"},{"speaker":"Victor Lagos","startTime":1501.55,"endTime":1503.26,"body":"about Asia."},{"speaker":"Harry Benetto","startTime":1503.32,"endTime":1506.02,"body":"Yeah, exactly,"},{"speaker":"Harry Benetto","startTime":1503.32,"endTime":1506.02,"body":"exactly. Yeah, there's a lot of"},{"speaker":"Harry Benetto","startTime":1506.02,"endTime":1510.64,"body":"opportunity. And it's, there's a"},{"speaker":"Harry Benetto","startTime":1506.02,"endTime":1510.64,"body":"lot of investors in Australia"},{"speaker":"Harry Benetto","startTime":1510.64,"endTime":1516.19,"body":"who can't necessarily access"},{"speaker":"Harry Benetto","startTime":1510.64,"endTime":1516.19,"body":"property prices here. Whether"},{"speaker":"Harry Benetto","startTime":1516.19,"endTime":1519.37,"body":"you're looking at properties in"},{"speaker":"Harry Benetto","startTime":1516.19,"endTime":1519.37,"body":"that sort of 300k plus range. So"},{"speaker":"Harry Benetto","startTime":1519.4,"endTime":1523.15,"body":"it's always great to, to be"},{"speaker":"Harry Benetto","startTime":1519.4,"endTime":1523.15,"body":"presented with opportunities"},{"speaker":"Harry Benetto","startTime":1523.15,"endTime":1526.42,"body":"that are international, if"},{"speaker":"Harry Benetto","startTime":1523.15,"endTime":1526.42,"body":"you've got total confidence in"},{"speaker":"Harry Benetto","startTime":1526.42,"endTime":1526.9,"body":"what you're doing."},{"speaker":"Victor Lagos","startTime":1527.65,"endTime":1530.62,"body":"Yeah, just"},{"speaker":"Victor Lagos","startTime":1527.65,"endTime":1530.62,"body":"thinking about, while we're"},{"speaker":"Victor Lagos","startTime":1530.62,"endTime":1534.67,"body":"talking, I do have clients that"},{"speaker":"Victor Lagos","startTime":1530.62,"endTime":1534.67,"body":"have hit the ceiling on their"},{"speaker":"Victor Lagos","startTime":1534.67,"endTime":1538.99,"body":"borrowing capacity. Because you"},{"speaker":"Victor Lagos","startTime":1534.67,"endTime":1538.99,"body":"know, we've had 10, I think, 10"},{"speaker":"Victor Lagos","startTime":1538.99,"endTime":1543.79,"body":"rate hikes, maybe 11 1111 rate"},{"speaker":"Victor Lagos","startTime":1538.99,"endTime":1543.79,"body":"hikes in the last 12 months. And"},{"speaker":"Victor Lagos","startTime":1543.79,"endTime":1546.88,"body":"that's really squeezed the"},{"speaker":"Victor Lagos","startTime":1543.79,"endTime":1546.88,"body":"borrowing capacity for a lot of"},{"speaker":"Victor Lagos","startTime":1547.03,"endTime":1551.17,"body":"a lot of Australians. So they're"},{"speaker":"Victor Lagos","startTime":1547.03,"endTime":1551.17,"body":"sort of, there's been about a 40"},{"speaker":"Victor Lagos","startTime":1551.2,"endTime":1556.12,"body":"to 45% reduction. So someone who"},{"speaker":"Victor Lagos","startTime":1551.2,"endTime":1556.12,"body":"could borrow a million dollars a"},{"speaker":"Victor Lagos","startTime":1556.12,"endTime":1562.12,"body":"year ago, can only borrow about"},{"speaker":"Victor Lagos","startTime":1556.12,"endTime":1562.12,"body":"sort of 550 grand now. Right?"},{"speaker":"Victor Lagos","startTime":1562.63,"endTime":1565.96,"body":"Which is, which is crazy to"},{"speaker":"Victor Lagos","startTime":1562.63,"endTime":1565.96,"body":"think about it right? Oh, maybe"},{"speaker":"Victor Lagos","startTime":1565.99,"endTime":1570.55,"body":"600 grand around that month. So"},{"speaker":"Victor Lagos","startTime":1565.99,"endTime":1570.55,"body":"if, if that's the case, if"},{"speaker":"Victor Lagos","startTime":1570.55,"endTime":1572.56,"body":"you've got enough borrowing"},{"speaker":"Victor Lagos","startTime":1570.55,"endTime":1572.56,"body":"capacity, and you're still"},{"speaker":"Victor Lagos","startTime":1572.56,"endTime":1575.68,"body":"sitting on equity, because a lot"},{"speaker":"Victor Lagos","startTime":1572.56,"endTime":1575.68,"body":"of people their property prices"},{"speaker":"Victor Lagos","startTime":1575.68,"endTime":1578.05,"body":"went up the last few years,"},{"speaker":"Victor Lagos","startTime":1575.68,"endTime":1578.05,"body":"right, they might be able to"},{"speaker":"Victor Lagos","startTime":1578.05,"endTime":1583.39,"body":"have enough borrowing capacity"},{"speaker":"Victor Lagos","startTime":1578.05,"endTime":1583.39,"body":"to extract, say 150 grand with"},{"speaker":"Victor Lagos","startTime":1583.42,"endTime":1586.96,"body":"cash. But if that's only enough"},{"speaker":"Victor Lagos","startTime":1583.42,"endTime":1586.96,"body":"for a deposit in Australia, and"},{"speaker":"Victor Lagos","startTime":1586.96,"endTime":1589.81,"body":"they can't get the actual the"},{"speaker":"Victor Lagos","startTime":1586.96,"endTime":1589.81,"body":"next loan to, you know, to buy a"},{"speaker":"Victor Lagos","startTime":1589.81,"endTime":1594.22,"body":"property, say for 400,000 or"},{"speaker":"Victor Lagos","startTime":1589.81,"endTime":1594.22,"body":"300, approximately wherever they"},{"speaker":"Victor Lagos","startTime":1594.22,"endTime":1598.0,"body":"need, then they sort of sitting"},{"speaker":"Victor Lagos","startTime":1594.22,"endTime":1598.0,"body":"on 150 grand, just doing nothing"},{"speaker":"Victor Lagos","startTime":1598.0,"endTime":1601.99,"body":"for them. Yes, they might pay,"},{"speaker":"Victor Lagos","startTime":1598.0,"endTime":1601.99,"body":"you know, five 6% interest on"},{"speaker":"Victor Lagos","startTime":1601.99,"endTime":1607.39,"body":"it. But if they can get 8%"},{"speaker":"Victor Lagos","startTime":1601.99,"endTime":1607.39,"body":"Return overseas, they're still"},{"speaker":"Victor Lagos","startTime":1607.66,"endTime":1611.14,"body":"cashflow positive, right. So"},{"speaker":"Victor Lagos","startTime":1607.66,"endTime":1611.14,"body":"then they're borrowing equity"},{"speaker":"Victor Lagos","startTime":1611.14,"endTime":1614.23,"body":"from a property here, using that"},{"speaker":"Victor Lagos","startTime":1611.14,"endTime":1614.23,"body":"to buy a property in another"},{"speaker":"Victor Lagos","startTime":1614.23,"endTime":1617.62,"body":"market. And the rent is enough"},{"speaker":"Victor Lagos","startTime":1614.23,"endTime":1617.62,"body":"to pay the interest on the"},{"speaker":"Victor Lagos","startTime":1617.62,"endTime":1621.55,"body":"mortgage in Australia, and cover"},{"speaker":"Victor Lagos","startTime":1617.62,"endTime":1621.55,"body":"the costs. So it's still your"},{"speaker":"Victor Lagos","startTime":1621.55,"endTime":1624.79,"body":"money working for you. So I"},{"speaker":"Victor Lagos","startTime":1621.55,"endTime":1624.79,"body":"think there's still an"},{"speaker":"Victor Lagos","startTime":1624.79,"endTime":1628.51,"body":"opportunity for people to tap"},{"speaker":"Victor Lagos","startTime":1624.79,"endTime":1628.51,"body":"into that with with prop here."},{"speaker":"Victor Lagos","startTime":1628.51,"endTime":1631.57,"body":"Because, as far as I'm aware,"},{"speaker":"Victor Lagos","startTime":1628.51,"endTime":1631.57,"body":"there's no other buyer's agency"},{"speaker":"Victor Lagos","startTime":1631.57,"endTime":1634.81,"body":"in Australia that that does this"},{"speaker":"Victor Lagos","startTime":1631.57,"endTime":1634.81,"body":"to help people buy in other"},{"speaker":"Victor Lagos","startTime":1634.81,"endTime":1638.17,"body":"countries. Yeah, absolutely. I'm"},{"speaker":"Victor Lagos","startTime":1634.81,"endTime":1638.17,"body":"pretty sure it's said you need"},{"speaker":"Victor Lagos","startTime":1638.17,"endTime":1646.06,"body":"to prop you're awesome. And the"},{"speaker":"Victor Lagos","startTime":1638.17,"endTime":1646.06,"body":"cost. I know that you guys, you"},{"speaker":"Victor Lagos","startTime":1646.06,"endTime":1650.35,"body":"know, a lot of value that you"},{"speaker":"Victor Lagos","startTime":1646.06,"endTime":1650.35,"body":"bring, but the cost for for"},{"speaker":"Victor Lagos","startTime":1650.35,"endTime":1653.86,"body":"investors is not as expensive as"},{"speaker":"Victor Lagos","startTime":1650.35,"endTime":1653.86,"body":"other buyers agents. Is that"},{"speaker":"Victor Lagos","startTime":1653.86,"endTime":1654.16,"body":"right?"},{"speaker":"Harry Benetto","startTime":1654.46,"endTime":1656.74,"body":"Yeah, we're"},{"speaker":"Harry Benetto","startTime":1654.46,"endTime":1656.74,"body":"usually coming in around that 20"},{"speaker":"Harry Benetto","startTime":1656.74,"endTime":1661.48,"body":"to 50% lower than a traditional"},{"speaker":"Harry Benetto","startTime":1656.74,"endTime":1661.48,"body":"buyer's agent. And it comes down"},{"speaker":"Harry Benetto","startTime":1661.48,"endTime":1665.14,"body":"to having a flat fee that I"},{"speaker":"Harry Benetto","startTime":1661.48,"endTime":1665.14,"body":"might not share unless someone"},{"speaker":"Harry Benetto","startTime":1665.14,"endTime":1669.58,"body":"does want to reach out and have"},{"speaker":"Harry Benetto","startTime":1665.14,"endTime":1669.58,"body":"a conversation. But yeah, it's"},{"speaker":"Harry Benetto","startTime":1669.64,"endTime":1672.64,"body":"it's really important to us to"},{"speaker":"Harry Benetto","startTime":1669.64,"endTime":1672.64,"body":"have a flat fee to have total"},{"speaker":"Harry Benetto","startTime":1672.64,"endTime":1678.82,"body":"transparency on the face and not"},{"speaker":"Harry Benetto","startTime":1672.64,"endTime":1678.82,"body":"receiving any, any financial"},{"speaker":"Harry Benetto","startTime":1678.85,"endTime":1683.17,"body":"like kickbacks from any of our"},{"speaker":"Harry Benetto","startTime":1678.85,"endTime":1683.17,"body":"partners. So we try our best to"},{"speaker":"Harry Benetto","startTime":1683.2,"endTime":1686.23,"body":"set up a network to make it as"},{"speaker":"Harry Benetto","startTime":1683.2,"endTime":1686.23,"body":"easy as possible for our clients"},{"speaker":"Harry Benetto","startTime":1686.23,"endTime":1688.96,"body":"to buy a property, whether it's"},{"speaker":"Harry Benetto","startTime":1686.23,"endTime":1688.96,"body":"connected with a mortgage broker"},{"speaker":"Harry Benetto","startTime":1688.96,"endTime":1692.02,"body":"and conveyancer pesty, building"},{"speaker":"Harry Benetto","startTime":1688.96,"endTime":1692.02,"body":"a financial planner or an"},{"speaker":"Harry Benetto","startTime":1692.02,"endTime":1697.24,"body":"accountant. And it's, it's"},{"speaker":"Harry Benetto","startTime":1692.02,"endTime":1697.24,"body":"really important to make sure"},{"speaker":"Harry Benetto","startTime":1697.24,"endTime":1700.93,"body":"these third parties remain"},{"speaker":"Harry Benetto","startTime":1697.24,"endTime":1700.93,"body":"totally independent of us, and"},{"speaker":"Harry Benetto","startTime":1700.93,"endTime":1703.93,"body":"about just complimentary"},{"speaker":"Harry Benetto","startTime":1700.93,"endTime":1703.93,"body":"services to provide an even"},{"speaker":"Harry Benetto","startTime":1703.93,"endTime":1705.04,"body":"better outcome for the client."},{"speaker":"Victor Lagos","startTime":1705.0,"endTime":1708.84,"body":"Yeah, amazing. I,"},{"speaker":"Victor Lagos","startTime":1705.0,"endTime":1708.84,"body":"for me, I always have a trusted"},{"speaker":"Victor Lagos","startTime":1708.84,"endTime":1712.08,"body":"network of professionals that I"},{"speaker":"Victor Lagos","startTime":1708.84,"endTime":1712.08,"body":"refer my customers to if they"},{"speaker":"Victor Lagos","startTime":1712.08,"endTime":1715.11,"body":"want a referral. But of course,"},{"speaker":"Victor Lagos","startTime":1712.08,"endTime":1715.11,"body":"if they've already got a buyer's"},{"speaker":"Victor Lagos","startTime":1715.11,"endTime":1717.42,"body":"agent that they're working with,"},{"speaker":"Victor Lagos","startTime":1715.11,"endTime":1717.42,"body":"or they want to source the"},{"speaker":"Victor Lagos","startTime":1717.42,"endTime":1721.47,"body":"property themselves, that's"},{"speaker":"Victor Lagos","startTime":1717.42,"endTime":1721.47,"body":"okay. And I do commercial"},{"speaker":"Victor Lagos","startTime":1721.47,"endTime":1723.72,"body":"properties as well. So"},{"speaker":"Victor Lagos","startTime":1721.47,"endTime":1723.72,"body":"occasionally, I might have a"},{"speaker":"Victor Lagos","startTime":1723.72,"endTime":1726.48,"body":"customer that is happy to work"},{"speaker":"Victor Lagos","startTime":1723.72,"endTime":1726.48,"body":"with their residential mortgage"},{"speaker":"Victor Lagos","startTime":1726.48,"endTime":1729.12,"body":"broker, and I'll work on the"},{"speaker":"Victor Lagos","startTime":1726.48,"endTime":1729.12,"body":"commercial stuff. So I think"},{"speaker":"Victor Lagos","startTime":1729.12,"endTime":1731.4,"body":"it's important that the customer"},{"speaker":"Victor Lagos","startTime":1729.12,"endTime":1731.4,"body":"is in the driver's seat, they"},{"speaker":"Victor Lagos","startTime":1731.4,"endTime":1733.95,"body":"choose who they want to work"},{"speaker":"Victor Lagos","startTime":1731.4,"endTime":1733.95,"body":"with, and who they resonate"},{"speaker":"Victor Lagos","startTime":1733.95,"endTime":1736.89,"body":"with. But if they do want an"},{"speaker":"Victor Lagos","startTime":1733.95,"endTime":1736.89,"body":"introduction, the opportunity is"},{"speaker":"Victor Lagos","startTime":1736.89,"endTime":1740.64,"body":"always there. So if you do want"},{"speaker":"Victor Lagos","startTime":1736.89,"endTime":1740.64,"body":"to connect with with Harry, and"},{"speaker":"Victor Lagos","startTime":1740.64,"endTime":1744.15,"body":"the property or a team, you can"},{"speaker":"Victor Lagos","startTime":1740.64,"endTime":1744.15,"body":"send me an email, and I can"},{"speaker":"Victor Lagos","startTime":1744.18,"endTime":1746.61,"body":"happily do the introduction,"},{"speaker":"Victor Lagos","startTime":1744.18,"endTime":1746.61,"body":"because I can imagine you guys"},{"speaker":"Victor Lagos","startTime":1746.61,"endTime":1750.03,"body":"will get a lot of inquiries"},{"speaker":"Victor Lagos","startTime":1746.61,"endTime":1750.03,"body":"online and all the presents that"},{"speaker":"Victor Lagos","startTime":1750.03,"endTime":1755.34,"body":"you're doing. So when it comes"},{"speaker":"Victor Lagos","startTime":1750.03,"endTime":1755.34,"body":"from a referral, that you know,"},{"speaker":"Victor Lagos","startTime":1755.4,"endTime":1757.53,"body":"sort of a priority, right? You"},{"speaker":"Victor Lagos","startTime":1755.4,"endTime":1757.53,"body":"know, that it's coming from a"},{"speaker":"Victor Lagos","startTime":1757.53,"endTime":1760.65,"body":"mortgage broker, it's coming"},{"speaker":"Victor Lagos","startTime":1757.53,"endTime":1760.65,"body":"from someone that's legitimate,"},{"speaker":"Victor Lagos","startTime":1760.71,"endTime":1763.77,"body":"I usually will run the numbers"},{"speaker":"Victor Lagos","startTime":1760.71,"endTime":1763.77,"body":"first as well. So that way, it's"},{"speaker":"Victor Lagos","startTime":1763.77,"endTime":1766.62,"body":"not just a hey, have a chat with"},{"speaker":"Victor Lagos","startTime":1763.77,"endTime":1766.62,"body":"property, let's see what you can"},{"speaker":"Victor Lagos","startTime":1766.62,"endTime":1769.86,"body":"actually borrow. Because you"},{"speaker":"Victor Lagos","startTime":1766.62,"endTime":1769.86,"body":"might have an idea that you want"},{"speaker":"Victor Lagos","startTime":1769.86,"endTime":1773.04,"body":"to buy half a million, but you"},{"speaker":"Victor Lagos","startTime":1769.86,"endTime":1773.04,"body":"know, banks will only lend you"},{"speaker":"Victor Lagos","startTime":1773.07,"endTime":1776.97,"body":"200 grand. So it may not be the"},{"speaker":"Victor Lagos","startTime":1773.07,"endTime":1776.97,"body":"right time. Or you might sort of"},{"speaker":"Victor Lagos","startTime":1777.24,"endTime":1779.85,"body":"weigh up all the costs and see"},{"speaker":"Victor Lagos","startTime":1777.24,"endTime":1779.85,"body":"if it's actually worth doing it"},{"speaker":"Victor Lagos","startTime":1779.85,"endTime":1783.75,"body":"right now. And then I can choose"},{"speaker":"Victor Lagos","startTime":1779.85,"endTime":1783.75,"body":"so you know, reach out to me and"},{"speaker":"Victor Lagos","startTime":1783.75,"endTime":1787.95,"body":"just you know, maybe do an email"},{"speaker":"Victor Lagos","startTime":1783.75,"endTime":1787.95,"body":"to Victor. Sorry, I contact at"},{"speaker":"Victor Lagos","startTime":1787.95,"endTime":1791.7,"body":"Lagosfinancial.com.au They just"},{"speaker":"Victor Lagos","startTime":1787.95,"endTime":1791.7,"body":"put in a subject prop here and"},{"speaker":"Victor Lagos","startTime":1791.7,"endTime":1797.67,"body":"we'll start conversation. So I"},{"speaker":"Victor Lagos","startTime":1791.7,"endTime":1797.67,"body":"want to ask you, if someone does"},{"speaker":"Victor Lagos","startTime":1797.67,"endTime":1800.4,"body":"want to find out a little bit"},{"speaker":"Victor Lagos","startTime":1797.67,"endTime":1800.4,"body":"more about Prop hero what you do"},{"speaker":"Victor Lagos","startTime":1800.4,"endTime":1804.81,"body":"sort of the types of properties"},{"speaker":"Victor Lagos","startTime":1800.4,"endTime":1804.81,"body":"versus bought past? How can they"},{"speaker":"Victor Lagos","startTime":1804.81,"endTime":1807.48,"body":"find this information? And how"},{"speaker":"Victor Lagos","startTime":1804.81,"endTime":1807.48,"body":"can they connect up here?"},{"speaker":"Harry Benetto","startTime":1808.08,"endTime":1811.53,"body":"Yeah. So if you,"},{"speaker":"Harry Benetto","startTime":1808.08,"endTime":1811.53,"body":"you either go through the Lagos"},{"speaker":"Harry Benetto","startTime":1811.53,"endTime":1815.34,"body":"financial channel, that's all"},{"speaker":"Harry Benetto","startTime":1811.53,"endTime":1815.34,"body":"good. But otherwise, if you just"},{"speaker":"Harry Benetto","startTime":1815.37,"endTime":1820.77,"body":"jump on online, prop hero.com,"},{"speaker":"Harry Benetto","startTime":1815.37,"endTime":1820.77,"body":"you can book a session, or reach"},{"speaker":"Harry Benetto","startTime":1820.77,"endTime":1823.05,"body":"out to me on LinkedIn. I'd be"},{"speaker":"Harry Benetto","startTime":1820.77,"endTime":1823.05,"body":"happy to have a chat,"},{"speaker":"Victor Lagos","startTime":1823.23,"endTime":1827.28,"body":"also. And you're"},{"speaker":"Victor Lagos","startTime":1823.23,"endTime":1827.28,"body":"the national sales manager. The"},{"speaker":"Victor Lagos","startTime":1827.28,"endTime":1827.67,"body":"moment"},{"speaker":"Harry Benetto","startTime":1828.09,"endTime":1830.85,"body":"Yeah, I'm head of"},{"speaker":"Harry Benetto","startTime":1828.09,"endTime":1830.85,"body":"sales and revenue to death. So"},{"speaker":"Harry Benetto","startTime":1831.06,"endTime":1834.78,"body":"yeah, to roll that's ever"},{"speaker":"Harry Benetto","startTime":1831.06,"endTime":1834.78,"body":"evolving in an exciting, pretty"},{"speaker":"Harry Benetto","startTime":1834.78,"endTime":1839.22,"body":"dynamic environment? And, yes,"},{"speaker":"Harry Benetto","startTime":1834.78,"endTime":1839.22,"body":"so overseeing all parts of the"},{"speaker":"Harry Benetto","startTime":1839.28,"endTime":1839.97,"body":"transaction."},{"speaker":"Victor Lagos","startTime":1840.03,"endTime":1842.28,"body":"Awesome. So"},{"speaker":"Victor Lagos","startTime":1840.03,"endTime":1842.28,"body":"customers may not connect with"},{"speaker":"Victor Lagos","startTime":1842.28,"endTime":1846.27,"body":"you directly. It's gonna be one"},{"speaker":"Victor Lagos","startTime":1842.28,"endTime":1846.27,"body":"of your team, property coaches."},{"speaker":"Harry Benetto","startTime":1847.95,"endTime":1851.01,"body":"I'll do my best"},{"speaker":"Harry Benetto","startTime":1847.95,"endTime":1851.01,"body":"to endeavor to connect to them."},{"speaker":"Harry Benetto","startTime":1851.01,"endTime":1854.73,"body":"And otherwise, we could have an"},{"speaker":"Harry Benetto","startTime":1851.01,"endTime":1854.73,"body":"excellent team support through"},{"speaker":"Harry Benetto","startTime":1854.73,"endTime":1855.81,"body":"their property buying journey."},{"speaker":"Victor Lagos","startTime":1855.99,"endTime":1858.3,"body":"Awesome. Look, I"},{"speaker":"Victor Lagos","startTime":1855.99,"endTime":1858.3,"body":"just want to say thanks for"},{"speaker":"Victor Lagos","startTime":1858.3,"endTime":1861.63,"body":"coming on. I think you guys are"},{"speaker":"Victor Lagos","startTime":1858.3,"endTime":1861.63,"body":"doing some great things. You"},{"speaker":"Victor Lagos","startTime":1861.63,"endTime":1863.49,"body":"know, you've heard some of the"},{"speaker":"Victor Lagos","startTime":1861.63,"endTime":1863.49,"body":"opportunities that are out"},{"speaker":"Victor Lagos","startTime":1863.49,"endTime":1867.45,"body":"there. Definitely jump online,"},{"speaker":"Victor Lagos","startTime":1863.49,"endTime":1867.45,"body":"prop hero.com. If you want"},{"speaker":"Victor Lagos","startTime":1867.45,"endTime":1871.8,"body":"introduction, reach out to me."},{"speaker":"Victor Lagos","startTime":1867.45,"endTime":1871.8,"body":"Keep doing what you're doing and"},{"speaker":"Victor Lagos","startTime":1872.28,"endTime":1875.13,"body":"definitely going to be following"},{"speaker":"Victor Lagos","startTime":1872.28,"endTime":1875.13,"body":"this space to see when you tap"},{"speaker":"Victor Lagos","startTime":1875.13,"endTime":1877.98,"body":"it to to other markets unfold."},{"speaker":"Victor Lagos","startTime":1875.13,"endTime":1877.98,"body":"Thanks a lot, Victor. No"},{"speaker":"Victor Lagos","startTime":1877.98,"endTime":1881.31,"body":"worries. Thanks. Sorry. Thanks a"},{"speaker":"Victor Lagos","startTime":1877.98,"endTime":1881.31,"body":"lot for listening. If you"},{"speaker":"Victor Lagos","startTime":1881.31,"endTime":1884.7,"body":"enjoyed that, please tune into"},{"speaker":"Victor Lagos","startTime":1881.31,"endTime":1884.7,"body":"our next episode, and follow us"},{"speaker":"Victor Lagos","startTime":1884.7,"endTime":1885.33,"body":"on our socials."}]}