At 23, full-time NDIS service manager and sole trade support worker Moses Villani has built a two-property portfolio worth over $1m.
Growing up in a family of six where money was tight and watching his parents work long hours to make ends meet motivated him to do things differently.
His journey to securing his two standalone houses began at the end of 2024 into 2025, when he first started browsing listings and looking for something to buy.
“I purchased my first property at the end of June – the second around November,” he said.
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At 23, Moses Villani has a property portfolio of $1m+
He began saving and educating himself through podcasts and research
Mr Villani began saving relentlessly from his first minimum-wage job at a butcher shop, to food delivery, doorknocking for cash jobs and working multiple roles in disability care.
His property journey also included educating himself through podcasts and research before turning to data-driven advice from the InvestorKit team to help identify high-growth regional markets.
Mr Villani’s first property was purchased in Wodonga, Victoria for $485,000 in June 2025. This was below the typical value of houses in the area at about $580,000.
The second property was in Townsville, Queensland at a price of $565,000.
Mr Villani’s first property in Wodonga
Inside the Wodonga home.
Mr Villani said he had heard Wodonga would be a good place to invest.
“I also loved that property because there is an opportunity to subdivide that down the track.
“I was looking really long term with these investments.
“There were a few non-negotiables like I really didn’t really want an apartment – the research that I did was mainly standalone properties so I decided to go down that pathway.”
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Mr Villani now owns two standalone houses
Mr Villani’s second property in Townsville
Inside the Townsville property
Currently living with his parents in Doncaster, Mr Villani said when he eventually sells the properties he will continue to rentvest.
“I’m still fairly young and I don’t know where I want to live in the foreseeable future so I just see it as renting, giving me the opportunity to explore and live in multiple places without having to sort of settle on something long-term,” he said.
Mr Villani said his long-term plan includes eventually getting out of residential and into commercial property for long-term investment.
“At the moment I want to mainly focus on growing an NDIS business, I’m currently getting it registered to be a registered NDIS provider,” he said.
“Having money invested in assets, there is risk to it but I see it as an option compared to just having money in my bank.”
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Arjun Paliwal
Arjun Paliwal CEO at InvestorKit said younger investors have it tough due to what they see around their locations, predominantly Sydney, Melbourne, Brisbane, Adelaide and Perth.
“You look at what’s around you, you see a lot of very expensive houses, its deflating,” he said.
According to Mr Paliwal, this leads to some inaction, judgement against others making property moves or buying something that is not going to perform.
“They go and look for an apartment that suits their budget thinking thats all they can get,” he said.
“It’s scary to see how many people have bought apartments in CBD Melbourne – the amount of people I have seen that have purchased those properties purchased for between $400,000 to $600,000 sell it for the same price or slightly less 10 years on is wild.”
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Arjun Paliwal
Mr Paliwal said younger buyers can use data, not family money to get ahead.
Townsville and Wodonga didn’t cross “most common investor’s mind because they don’t have a team around them and they don’t have the education,” he said.
Mr Paliwal said this data might include unemployment rates, infrastructure spend or fast growth rates.
“That’s the thing that is really the X factor: the economy,” he said.
“It just makes sense for other young investors to think borderless.
“If uou want to be a successful investor you cannot think about the comforts of whats close to you.”
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