Melbourne property advisor underwrites clients' cashflow after RBA hike: "if the rent doesn't cover the mortgage, we do"
Ethical Property Investments
MELBOURNE, 29 September 2026 — Melbourne-based property advisor Goro Gupta today publicly launched the EPI Cashflow Safety Net Promise, an underwriting commitment that closes the gap between rent and mortgage on co-living and rooming properties purchased through Ethical Property Investments (EPI), as the Reserve Bank of Australia raised the cash rate by 25 basis points.
The Promise, which has been available to existing EPI clients since August, guarantees that if the rent on an EPI-purchased property doesn't cover the mortgage, EPI pays the difference until it does. It operates without an expiry date or monthly cap, commencing 60 days after the property is ready to rent and continuing until rental income meets or exceeds interest costs at standard market rates.
"When rates rise, property investors watch their cashflow shrink for two years and either absorb the loss or sell into a weak market. My clients don't face that issue. If the rent doesn't cover the mortgage, we do. It's that simple," Gupta said.
Gupta, who has advised Australian investors for 14 years, personally owns over 40 cashflow-positive properties and has coordinated the acquisition of more than 200 client properties. He explained that the launch highlights the practical residential framework supporting the guarantee.
"I've worked in property advisory for 14 years, and I'm tired of seeing Australians struggle with housing while developers push standard detached homes in outer suburban fringes. Australia faces a severe housing shortage that policymakers regularly discuss. The solution lies in models like rooming and co-living properties that accommodate more residents per home in secure, private spaces. These assets help relieve rental pressure while generating sustainable investor returns."
Gupta noted that the Promise is grounded in extensive market research rather than assumptions.
"We evaluate every target location against more than 400 data points before recommending it to a client, analysing metrics like vacancy rates, rental demand, local infrastructure, and long-term yield projections. That data, backed by 14 years of advisory experience and 27 industry awards, underpins our selection process."
Gupta contrasted the Promise directly with standard sales tactics.
"Certain competitors offer short-term rental guarantees where the developer inflates the purchase price, refunds a portion of the buyer's funds over 12 months, and then steps away. Other firms guide clients into locations that look promising on paper but fail financially within two years. We avoid both practices."
Addressing the timing of the announcement, Gupta said the macroeconomic environment made it urgent.
"Interest rate pressure is mounting rapidly. Major banks anticipated this rate increase, with ANZ forecasting a second hike in November. Every investor with a variable mortgage is affected, and few have support to absorb cashflow shortfalls over the next two years. That risk should be discussed openly. Investors ought to know what level of protection their advisory firm provides. If the answer is none, that speaks for itself."
How the Cashflow Safety Net Promise works:
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Applies to co-living, rooming and hybrid properties purchased through EPI
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Available to every EPI buyer, no membership tier required
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Begins 60 days after the property is ready to rent
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Runs until rent exceeds the property's interest at standard market rates
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Buyers use EPI's approved property management network
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No expiry, no monthly cap
Three questions Gupta recommends every property investor ask this week:
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Does the new rate change my monthly cashflow position?
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If yes, who covers the gap? Me or my property advisor?
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If it's me, what happens in 12 months if this keeps happening?
About us:
Goro Gupta Founder, Ethical Property Investments Phone: 0412 849 900 Email: [email protected]
Availability for interview:
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Tuesday 29 September, 3:00pm – 7:00pm AEDT
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Wednesday 30 September, 8:00am – 11:00am AEDT
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Phone, video call, or in-person (Melbourne CBD)
Broadcast-quality audio and video available on request.
ABOUT ETHICAL PROPERTY INVESTMENTS
Ethical Property Investments (EPI) is a Melbourne-based property advisory firm founded by Goro Gupta. For 14 years, EPI has focused on the housing model Australia most needs more of — co-living, rooming and hybrid properties that house more people with real dignity while paying their way as investments. EPI has coordinated the acquisition of more than 200 cashflow-positive properties for Australian investors, vetting every area against more than 400 data points before recommendation.
The firm has received 27 industry awards. The Cashflow Safety Net Promise formalises what EPI has been delivering to clients since August 2026.
www.ethicalpropertyinvestments.com.au
