Answer 7 questions about your income, goals, debt, and risk tolerance. Get your readiness score instantly — and find out whether a free Readiness Review with Erwin may be worth booking.
3 minutes7 questionsScore from 0 to 100Free · No obligation
For informational purposes only. This scorecard does not guarantee loan approval or investment suitability. Results are based on your self-reported answers.
Question 1 of 7
Do you have a specific financial goal for investing beyond your rental properties?
For example: retirement income, early financial independence, diversification, or getting off the landlord treadmill.
Question 2 of 7
How long are you planning to keep this investment?
A $100,000 investment loan into a professionally managed portfolio is most suitable for a minimum 10-year horizon.
Question 3 of 7
How would you describe your current income?
You need to comfortably carry the monthly interest payments on the loan regardless of how your investments are performing.
Question 4 of 7
How would you describe your current debt load?
A useful guideline: total monthly borrowing costs including investment loan interest should not exceed 36% of your before-tax income.
Question 5 of 7
How do you typically respond when your investments drop in value?
The stock market corrects every 3 to 4 years on average. Staying invested through corrections is essential when you are carrying a loan.
Question 6 of 7
Roughly what percentage of your net worth is currently in real estate?
Most real estate investors we work with are 80 to 100% concentrated in one asset class. This strategy is designed to add a second engine alongside your existing portfolio.
Question 7 of 7
How open are you to professionally managed investments you do not actively control day-to-day?
A segregated fund portfolio is managed by professional fund managers on your behalf. You choose the funds but do not make daily trading decisions.
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Not Ready Yet
Based on your answers, a $100,000 investment loan may not be the right fit right now. That is not a permanent answer — circumstances change and you can retake this scorecard any time.
What this means for you
Focus on stabilising your income and reducing existing debt before taking on additional loan obligations.
A shorter time horizon or high existing debt load makes it harder to sustain loan payments through market corrections.
Consider revisiting in 6 to 12 months. Erwin can still walk you through what would need to change for this to make sense for you.
