Sarjon Toma manages internal CRM systems for a water company in Sydney’s western suburbs. A few years before he bought his first investment property, he owned his own home and had built equity in it. The problem was serviceability. His existing mortgage consumed enough of his borrowing capacity that adding an investment loan alongside it was not possible.
In 2024, circumstances resolved the stalemate. He sold the house, made a profit, and faced the question that follows a windfall without a plan attached to it: what comes next?
He started meeting with buyers agents. The advice was reasonable enough, but the fee structure stopped him. Fifteen to twenty thousand dollars per property, per transaction. Five properties into a portfolio, that was sixty or seventy thousand dollars paid to intermediaries before a single dollar of growth had been captured.
“Your costs were way lower than that,” Sarjon said, after comparing Positive Property’s model to what the buyers agents had been quoting. The Thursday live sessions of the Positive Property Show were, for Sarjon, also a huge credibility signal.
“The fact that you run these things every Thursday made me realise you actually care about your members.”
What Changed His Thinking on Property
Before joining Positive Property, Sarjon had been approaching investment property the way most self-directed investors do: filtering for high rental yield and low purchase price, looking for income first and growth second. He had never encountered the argument that capital growth should lead, with yield following as the portfolio matures.
When Positive Property presented the research behind its first recommended location, it arrived as a twelve to fifteen slide deck covering population growth, infrastructure investment, sustainability, and long-term demand indicators for the specific area. Sarjon had never seen that level of analysis applied to a single suburb selection.
“I would never have seen any of those. That whole presentation was twelve to fifteen slides with a whole bunch of information on why you guys chose that area. It just makes sense.”
His First Investment and Growing Equity
In October 2024, Sarjon settled a three-bedroom, two-bathroom property in Caboolture, Queensland, for $535,900, putting down a ten percent cash deposit of just over $53,000.
Eight months later, comparable properties in the same development were listing between $749,900 and $778,990. The current estimated market value of his property sat at approximately $735,000, representing equity growth of just under $200,000 on an initial cash outlay of $53,000.
“I can’t do that working, that’s for sure.”
The process of getting there had been less complicated than he anticipated. His coach handled the due diligence at the beginning and worked through the detail with him before he committed. A dedicated team member managed contract questions throughout. Build updates arrived consistently. When George asked during the live session whether the support had made the process easier than expected, Sarjon’s answer required no elaboration: “It was a breeze.”
What the Circle of Safety provided, in his assessment, was the professional network that solo investors spend months trying to assemble and rarely get right.
“You’ve got connections everywhere that you can reach out to. Send an email, pick up the phone, and you can get your question answered. To do it on your own, it gets hard. It gets confusing. You can get lost.”
Refinancing for His Next Property
Sarjon has been a Positive Property member since August 2024. Two years into the program, he has one settled property generating close to $200,000 in equity and a deposit already paid on land for a second. He is working through the refinancing process to draw on the equity from Caboolture and use it to fund the next acquisition.
“Rinse and repeat. That’s exactly what I’m doing,” Sarjon described it.
Fifty-three thousand dollars placed on a property in a suburb he had never heard of, selected by a research process he had no capacity to replicate on his own, returned just under $200,000 in equity within eight months. That is the difference between what a salary produces and what a properly structured investment delivers.
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All figures are approximate and based on information provided at the time of Sarjon’s interview. Current values may differ. Sarjon’s results reflect his specific circumstances, portfolio decisions, and market conditions at the time of purchase. Individual outcomes will vary.
P.S. If you found yourself relating to Sarjon’s story, here’s how Positive Property can help you:
- Grab George’s Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy
- Watch the Positive Property Show: Live every Thursday with real market data, member wins, and the strategies that drive them. Watch on YouTube
- Join 9,000+ Australian Property Investors: Connect with smart investors sharing tips, wins, and strategies in Australia’s most active property community. Join the group
- Watch the Free Training: The exact strategy Sarjon and thousands of other members use to build portfolios of 5 to 10 properties and create money for life. Watch the free training