May 11th, 2025

The Complete Guide to Co-Living Investment with Invida and Granite Home Loans

Co-Living Strategy

Invida Property Management: Leading Co-Living Strategy in Australia

Invida stands at the forefront of transforming traditional properties into thriving co-living micro-apartments. Their innovative strategy not only delivers attractive gross yields of 7–11% but also generates robust cash flow right from inception.

Core Services

  • Micro-Apartment Conversions: Transform ordinary homes into private micro-units complete with ensuite bathrooms and compact kitchenettes.
  • Turnkey Solutions: Comprehensive management covering regulatory compliance, construction, and tenant sourcing.
  • Custom Builds: Design and construct purpose-built co-living spaces that are optimized for maximum rental returns.
  • Property Management: Professional services including marketing, regular inspections, lease compliance, and ongoing maintenance.

Proven Track Record

Numerous clients have experienced remarkable improvements, such as doubling their rental incomes (e.g. from $670 to $1,350 per week) and turning negatively geared properties into assets with over $18,000 in positive cash flow.


Granite Home Loans: Specialist Co-Living Finance

Granite Home Loans caters specifically to the unique financing needs of co-living ventures, as well as NDIS and other high-yield investment strategies. With tailored loan structures and competitive features, they are an excellent financial partner for your property projects.

Key Loan Features

  • Loan Amount: Financing available up to $3 million.
  • Max LVR: Up to 90%, subject to location specifics.
  • Terms: Loans tailored up to a 30-year repayment period.
  • Repayment Options: Choose between principal & interest or interest-only repayments.
  • Offset & Redraw: Options become available once the construction phase is completed.
  • Ownership Structures: Flexible structures including individual, joint, trusts, or SMSF arrangements.
  • Valuations: Specialist appraisals required, typically ranging between $980–$2,850.

Additional Loan Benefits

  • Utilizes higher rental income figures for better serviceability.
  • No genuine savings requirement.
  • Lender-paid LMI options available.
  • Non-resident lending possible with up to 85% LVR.

Construction Loan Stage Payments (Example: $400,000 Build)

Stage Typical % Example Payment
Slab/Foundation 15–20% $60k–$80k
Frame 15–20% $60k–$80k
Lock-Up 25–35% $100k–$140k
Fixtures/Fittings 20–25% $80k–$100k
Completion 10–15% $40k–$60k

Lenders disburse payments to builders at each stage following verified completion, and you only pay interest on the funds drawn down.


Final Word

Invida and Granite Home Loans combine their expertise to offer a comprehensive solution for high-yield co-living investments—from property sourcing and conversion to financing and ongoing management. This integrated approach not only paves the way for steady positive cash flow but also contributes to addressing housing affordability.

Depreciation Guide

Discover the #1 tax secret wealthy Australian property investors use to grow their portfolios faster — even in a high interest rate environment.

  • Learn how to turn wear and tear into wealth
  • See real examples of $15,000+ first-year deductions
  • Understand how to structure your purchases for maximum after-tax ROI

Download Your Free Wealth Building Guide

This ebook reveals how to legally slash your tax bill while building long-term wealth through property. Learn the strategies savvy investors use to gain an edge — even before settlement.

  • Maximise tax deductions and improve cash flow
  • Understand Division 40 vs 43 and how to claim both
  • Position yourself to reinvest and scale faster
Free Instant Access

Interested in getting started? Build your co-living profile at chat.investorprofile.com.au.

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