Building Wealth Through Real Estate With Four Smart Strategies for Single Women
- Feb 5, 2025
- 4 min read
Written by Annette Densham, Chief Storyteller
Multi-award-winning PR specialist Annette Densham is considered the go-to for all things business storytelling, award submission writing, and assisting business leaders in establishing themselves as authorities in their field.
The year is 2025, and the rental crisis is at an all-time high. A single mother sits at the dining table as midnight creeps closer. She has her laptop open, looking at her expenses. A full time job, plus a little child support, just does not cover the cost of food, medical care, travel, and housing. She clicks away from the spreadsheet where her costs are carefully outlined and visits property sites. It is just a dream, but it is such a sweet fantasy, home ownership. At this point, simply having a roof over her head is an achievement, even if the rental is overpriced and there is barely room to move inside it.
This is the reality for many women. In today’s world, society places high expectations on women to successfully balance family responsibilities with career aspirations. They are expected to excel in both, despite the complexities and challenges involved. This double burden keeps women trapped in a cycle of serving others yet never actually getting ahead. As a result, by the time women retire, they have on average 42 percent less superannuation than men, despite having carried double the workload throughout their adult years.
To dig deeper into this issue, I spent some time chatting with Mox from Investor Partner Group, a premium service provider in the property investment industry. This team has created a turnkey service offering every aspect of property investment under one roof. They have also partnered with female empowerment experts to create opportunities for women. Chatting with Mox about this has shed interesting light on the industry.
The challenge of property affordability in Australia
Having the equity for something like property investment feels completely out of reach. Financial stability has become the great pipedream many single mothers wish was a reality. Mox from IPG explains, “To buy property, a 10 percent cash deposit is required, and for single income homes with children, this liquid capital simply does not exist. The sad part is that many of these women would be phenomenal payers if they could get a lucky break to enter the property market, but the traditional routes of entry are simply inaccessible.”
He offers some non traditional ways single income families can enter the real estate market:
1. House hacking: A real, practical solution
Mox says that house hacking is a practical real estate investment strategy where you purchase a property, live in part of it, and rent out the other part to generate income. “The concept works by turning your home into an income generating asset, which can significantly reduce your financial burden while helping you build equity over time. This is a simple way to cover mortgage costs, build equity, and reduce living expenses,” he says.
2. Rentvesting: A strategic move for financial independence
Mox says that financial independence is something every woman should strive for, despite economic circumstances making it increasingly difficult. He explains, “Rentvesting means renting where you want to live while investing in a property elsewhere.”
“This approach allows women to live in desirable locations, close to work or their children’s school, while building wealth through a more affordable investment property.”
3. Partnering with other investors
Mox says that for many, partnering with friends, family, or other investors to collectively pool resources provides a reduced financial burden, diversified risk, and access to better properties. That said, it needs to be approached with care because you will also be splitting profits, sharing decision-making, and working in close partnership. “Everyone’s values and goals need to be mutually beneficial and stay aligned for years to come,” Mox advises.
4. Creative financing
A Self-Managed Super Fund (SMSF) allows mothers to use their retirement savings to invest in property directly. Mox says that women can build wealth through real estate while saving for retirement. “With an SMSF, they can purchase residential or commercial property, and the rental income goes into the super fund. There are strict rules around SMSF property investment, but it offers a way to diversify a portfolio and secure long-term financial growth.”
He says that this option enables a single woman to grow wealth without tapping into personal savings or taking on personal debt.
Mindset shift: Real estate as a viable side hustle
While there are real systemic barriers that make it harder for women to enter the real estate investment industry, it is still possible to get in. Mox believes it is about working with a smart team that is committed to coaching, guiding, and seeing women succeed. “Varsha Banker from Real Estate for Women, in collaboration with myself at Investment Partner Group, is dismantling some of these systemic barriers and giving women a proverbial leg up. Through the courses, mentorship, and free resources offered by Real Estate for Women, women are creating profitable side hustles and securing their retirement by investing in real estate,” he says, humbly acknowledging the incredible work they do.
Taking the first step toward building wealth, securing financial independence, and creating a legacy through property starts with making contact and believing wealth is possible.
Annette Densham, Chief Storyteller Multi-award-winning PR specialist Annette Densham is considered the go-to for all things business storytelling, award submission writing, and assisting business leaders in establishing themselves as authorities in their field. She has shared her insights into storytelling, media, and business across Australia, UK, and the US speaking for Professional Speakers Association, Stevie Awards, Queensland Government, and many more. Three times winner of the Grand Stevie Award for Women in Business, gold Stevie International Business Award, and a finalist in Australian Small Business Champion awards, Annette audaciously challenges anyone in small business to cast aside modesty, embrace their genius and share their stories.
