Aspiring Homeowner
Prepare for your first home.
Understand your down payment, closing costs and monthly budget before choosing a mortgage.
- Purchase funds and closing costs
- Comfortable monthly ownership costs
- Mortgage flexibility
Guidance throughout your journey
Real Estate Wealth Map™
Six stages of building wealth through real estate, from preparing for your first home to planning the future of an established portfolio. Find guidance, advice and dedicated Streetwise services for the decisions you face today and the plans you want to pursue.
Where are you on the journey?
Hover over or select a stage to see its priorities and how we can help.
Swipe the map to explore the stages ↔
Aspiring Investor
Plan your first investment property.
Review the purchase funds, rental income and borrowing requirements before you commit.
- Down-payment funds
- Rental income and existing debt
- Payments and reserves
Useful guidance for this stage
Learning guideHow lenders assess rental income
Learn how lenders assess rent alongside your other income and debts.
Read the guide →
Learning guideEquity and refinancing
Calculate the funds a refinance could provide after existing debt and costs.
Read the guide →
CalculatorRental property cash flow
Test income, costs, mortgage payments and reserves.
Open calculator →Starter Investor
Plan the financing for your next property.
Consider how your existing mortgage, income and investment strategy affect the next purchase.
- Strategy fit
- Funding through the project
- Testing your assumptions
Useful guidance for this stage
Learning guideRental property due diligence
Check the evidence behind projected rent, costs and financing.
Read the guide →
Learning guideFinancing a rental renovation
Plan funding from purchase and renovation through to refinancing.
Read the guide →CalculatorRental property cash flow
Test income, costs, mortgage payments and reserves.
Open calculator →Portfolio Builder
See your portfolio as a whole.
Review mortgages, cash flow and renewals together so each financing decision supports your plans.
- Combined cash flow
- Renewals and commitments
- Capital and additional payments
Useful guidance for this stage
Learning guideRental cash flow
Review rent, operating costs and mortgage payments together.
Read the guide →Learning guideEquity and refinancing
Compare available funds with the debt and payments a refinance creates.
Read the guide →
CalculatorCompare a refinance
Compare payments, costs and funds released for one mortgage.
Open calculator →Real Estate Entrepreneur
Match financing to your projects.
Plan for acquisition, renovation and operating costs, including the timing of funds between projects.
- Funding dates
- Carrying costs
- Contingencies for delays
Useful guidance for this stage
Learning guideFunding renovation work
Match project costs with available funds and the intended refinance.
Read the guide →
Learning guideRental-property reserves
Separate cash set aside from credit and funds expected from future transactions.
Read the guide →
CalculatorMultifamily financing calculator
Test income and financing assumptions for an apartment building.
Open calculator →Empire Builder
Plan for the portfolio’s future.
Consider the financing, management and succession questions that come with an established portfolio.
- Income and debt obligations
- Ongoing responsibilities
- Future ownership plans
Find your investor profile
Not sure which stage fits?
The assessment on Streetwise Wealth considers your experience, priorities and financing needs, then suggests a profile to explore. You can use it to find relevant education or start by browsing the stages yourself.
Take the assessment on Streetwise Wealth ↗An educational assessment, not a mortgage application.
What you own todayWhat you want to achieveThe decisions ahead
Your experience and priorities matter alongside your properties.
Talk to Streetwise
Have a property or a plan in mind?
You do not need to complete an assessment to speak with us. Tell us what you are considering and what you would like help with.