Specialised Real Estate Investments



Dual Occupancy / Dual Income Property

Torro Financial has exclusive build designs for these type of investments across Victoria and QLD.

How does it work?

Dual Occupancy Property is essentially 1 House configured into 2 separate dwellings, both with private entrances.  These properties generate 2 rental incomes, making them Cash Flow Positive investments.                           

*House & Land Turn Key from $470,000


2 Rental Incomes - 1 Title


3 Bed 2 Bath 2 car & 1 Bed 1 Bath configuration


3 Bed 2 Bath 2 Car & 2 Bed 2 Bath configuration


Cash Flow Positive – Up to 7% ROI plus capital growth


10 Year Rental Guarantee available




SDA / NDIS Property

SDA property is a growing and very popular new type of Housing across the NDIS.

Torro Financial has exclusive build options for SDA Properties in Victoria.

What is SDA Housing?

The National Disability Insurance Scheme (NDIS) supports  assistance for hundreds of thousands of Australians with a significant and/or permanent disability, their families and carers.

Specialist Disability Accommodation (SDA) refers to accommodation for people who require specialist housing solutions, including assistance with the delivery of supports that cater for their extreme functional impairment or very high support needs.


SDA funding under the NDIS will stimulate investment in the development of new high quality dwellings for use by eligible NDIS participants.  

* House & Land Turn Key from $490,000


Points to consider


SDA Housing is built to NDIS Standards.


Government Backed Scheme.


Up to 3 Tenants per property.


Up to 18% Return on Investment plus Capital growth.


3-5 year Lease Terms available.


The Federal Government has pledged $70,000,000 per annum for 20 years to the scheme.


SDA housing is designed to meet one of five design categories

  1. Basic – housing without special design features but with a location or other features that cater for the needs of people with disability and assist with the delivery of support services
  2. Improved liveability – housing that has been designed to improve ‘liveability’. This includes a reasonable level of physical access and some features for people with sensory, intellectual or cognitive impairment
  3. Fully accessible – housing with a high level of accessibility for people with significant physical impairment
  4. Robust – housing designed with a high level of physical accessibility, and built to be very strong to help prevent damage to the property and reduce the safety risk to the participant and the community
  5. High physical support – housing that has been designed to incorporate a high level of physical accessibility for people with significant physical impairment and requiring very high levels of support

The appropriate design category for a participant will be decided by considering the participant’s specific needs.




Where can these properties be built?

The properties can be built anywhere really.  We like to use the NDIS Demand Map to gauge the demand for this type of housing and NDIS services in general.  Clients can access this information freely online.

Can I rent the property out myself or through any agent?

The tenants are procured and managed by a registered NDIS Provider.  We will work with numerous Supported Living providers to achieve the best results for our clients.

What is the annual income for SDA property in dollar terms?

The average annual income based on 3 tenants is between $97,000 - $150,000 depending on location and build type. When you also consider capital growth, this is a very attractive return on investment.  The SDA calculator is freely available for download on the NDIS website.  Please contact us to walk you through this should you choose to download it.

Can you guarantee that I will have 3 Tenants at all times?

As with any investment property, there are no guarantees that it will be fully tenanted at all times.  We are quite confident as we only build in areas where there is strong demand for services.  Consider also that even with 2 tenants, your ROI is often still around 12%.   There is also a 90 day vacancy cover provided by the NDIS.  Because of the nature of the tenant, it is very unlikely there will be a high turnover of tenants. 

Who collects the money from rent and NDIS grants?

The provider will receive and disburse all rents and grants to the owner as will be outlined in the lease agreement.

What is the fee my provider will charge to manage the property?

The standard fee is 10% plus GST.

What annual costs are there to consider?

Costs are in line with regular investment properties such as interest on loans, rates and insurance. We also recommend that the owner engages a gardener to maintain the property on a monthly basis.

Do I need to furnish the property?

No. tenants will have their own furniture and any other equipment they require. In some cases, a Fridge and Washing machine / Dryer may be a nice incentive but is at the owner’s discretion.

Can I sell the property anytime?  Can it be leased or occupied as a regular home?

Yes you can. There are some modifications many of which can be easily removed. They are quite suitable as a regular dwelling and will also have more bathrooms than most homes.


SDA Property Investments greatly assist the community and are a solid investment opportunity.