How You Can Start Commercial Property Investing With Just $100K

Many people think property investment is only for the wealthy. The truth? You don’t need millions to get started, even $100K can work if you pool resources smartly.

I am not selling you a course and also not asking you to buy REITS. 

1️⃣ Pooling Makes It Possible

Let’s say you have $100K to invest, and the property costs $1.5 million. That leaves a gap of $1.4 million.

Solution? Pool your money with 14 friends or family members. Suddenly, your dream of owning commercial property is within reach.

2️⃣ A Real Example

A 1,050 sqft unit at Textile Centre, listed on CommercialGuru, costs $1.35 million.

  • Add stamp duty and other fees → total ≈ $1.4 million.

  • Split among 15 investors → your $100K contribution is enough to get in.

3️⃣ How You Earn

Average rental rates on CommercialGuru are $3.50–$5.00 psf. To be conservative, let’s target $4.00 psf:

  • Monthly rental income = $4,200

  • Each investor gets ≈ $280 per month, or $3,360 per year

At this rate, it would take ~30 years to break even — assuming rental doesn’t grow.

4️⃣ Selling After 10 Years

Assuming a moderate 3% annual growth, the property could be worth $1.8 million in 10 years.

  • Profit = $1.8M − $1.4M = $0.45M

  • Each investor’s share ≈ $30K

So, your $100K investment generates $30K profit over 10 years, on top of $3,360 per year in rental income. Not bad for a conservative, low-risk approach.

5️⃣ Final Thoughts

Of course, these are hypothetical numbers — the real world may vary. Rental growth could be higher or lower, and market conditions fluctuate.

Many people told me property investing isn’t possible unless you’re rich. I just want to prove otherwise: with careful planning, pooling resources, and realistic expectations, even small investors can participate in commercial property and build wealth over time.

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