Hosted By Tyrone Shum

Guide in Accumulating 15 Real Estate Investment in 6 Years

Updated 21/11/2019

Join us as we have a chat with Sanders Muleya, successful property investor and buyer's agent of MSISA Property and Consulting. Born in Zimbabwe, Sanders Muleya worked as a nurse there until he moved to Australia in 2004 to carve out a new future for himself and his family, where he made his first real estate investment two years into settling into Australia which he later made readjustments to in order to bring in more income.

Learn in this episode of Property Investory about how after some mistakes and educating himself on real estate investment, Sanders Muleya managed to achieve incredible success, acquiring 15 properties over the course of six years. Come along with us as we learn about the many different investing property courses Muleya enrolled in, his excellent advice when it comes to property investing, his “aha” moment when he made $280,000 profit from a property, whether he found it necessary to keep his nursing job or not after his success in property and much, much more!

"I think what has really changed for me is being able to believe in myself, being able to execute every single strategy that I think of…"
-Sanders Muleya"

First, Muleya tells us a little about what he does in the world of property and where his business is based.

I run a business called MSISA Property and Consulting. We specialize in purchasing and acquiring post-VPI properties that have the option of immediately getting instant equity from it. So I am a buyer’s agent and I am predominantly based in Sydney, but I cover areas like the south coast, Wollongong, Western Sydney, Central Coast, Newcastle, Brisbane, and Tasmania.

Muleya had an interesting way of coming up with a name for his property and consulting business.

So my name is an abbreviation. The way we came about it is the M is the initial for our surname. The SI is the first two letters of my wife's name and SA are the first two letters of my name.

Like most property investors and developers, Muleya has a busy day.

So what I actually do is pretty much-helping investors on that dream. Like we are helping investors get out of their jobs by investing in positive cash flow properties and we also qualify as helping people that want to buy their own home. So my days are full of the property search.

Muleya then goes on to tell us about where he grew up and the sacrifices he took to immigrate to Australia.

So I was born in Zimbabwe in a small town called Binga and essentially in Matabeleland North. And I did my primary education as well as secondary education in Zimbabwe. And I went on to study and do nursing. So I’ve been working as a registered nurse for 30 years. And then I moved to Australia in 2004 for the change of the environment, I wanted my family to have a new future and to get a better education. So that’s how I ended up in Australia. So from 2004 up to 2010, pretty much I’ve been working as a registered nurse.

I came first and then a year later my family joined me. I’m actually married and have three kids.

Applying for the visa was a lengthy process. It took almost a year. And I also had to register with the Australian Nursing Council. And then I had to raise money for airfares. I had to raise money for all the necessary registrations. So that took a while. And to achieve all those goals I had to sell entirely everything that I had.

He gives us some background on his education pathway and why he decided to choose nursing as a career path.

My background is pretty much a rural background. So from kindergarten up to Year 7, I did that type of education in my home area. And then for the secondary education, which is up to Year 12, I did that in a small town centre called Binga. And then once I did that, I then went on to do my nursing training at Hwange Colliery Hospital. So that’s where I did my nursing. And then I did work in Zimbabwe for about 10 years before I then thought of migrating into Australia.

The reason I chose nursing is, I should say it’s a long story, but I’ll try and cut it short. So my father was critically ill and he was admitted in a hospital. I was 15 years old and I happened to visit him when he was ill in hospital. And I did look at the way nurses were looking after him. It was very, very good. It was a critical illness, but my father recovered from it. So after that, after talking to a few nurses and observing what they were doing, that’s when I got this inspiration that I really need to help other people. So that’s how I actually got into nursing.

He tells us more about what it was like working as a nurse in Zimbabwe.

Working in Zimbabwe was very, very good because as you might know, Zimbabwe was one of the richest countries in Africa. I never dreamed of getting out of Zimbabwe. Like everything was there. The economy was quite good. It was very enjoyable doing nursing because that’s a career that I really liked and because I didn’t join for money, it was very, very beneficial for me. I did enjoy seeing people coming in a sick situation and then they go home in a better way. So that’s what motivated me a lot.

For Muleya, there were some key reasons why he wanted to immigrate to Australia.

I realised that the economy in Zimbabwe, it actually started deteriorating and I didn’t want to see my kids growing up in an area with the way the economic situation is not good so that they end up not achieving their goals. So to me when I say for a better future I was looking at my kids getting a better education and also especially for myself and everyone else, I was looking at not being tied up into a nine-to-five job. I was looking for possibilities where I could maybe end up where I am in business. I can be my own boss and be financially free.

Coming to Australia, as would be expected, was a big step, and Muleya had to adjust to many things along the way.

I mean, when I landed I was very excited. I mean with excitement of getting into a new area, but once reality set in then I was quite nervous truly speaking, I didn’t know what was coming and what to expect.

Before I even came to Australia, I had a job. So my job was at Westmead Public Hospital and it was sponsored by proper nursing agents. I knew where I was going straight away and I landed at Sydney Airport and it was a new environment for me, I didn’t know anyone. And the culture is different, the environment was different. And imagine living on your own and getting into an area where you know no one. And then also, even if I was adequately experienced in nursing, once I stepped into the hospital, everything was different. I mean medications are the same, but the things are done differently. So I actually had to learn all that.

Though things went well for a while, eventually, in 2008, Muleya's financial situation took a turn for the worse.

I did work at Westmead Hospital from 2004 to 2008.

And then in 2008, I lost my job because of the global financial crisis, as you may understand, my family had joined me by then. We had both our firstborn and my wife was barely having a job, so I had to do something to be able to maintain the mortgage repayments and also be able to look after my family. So I had to get another job, which then sent me to Tasmania unfortunately. And I had to leave my family in Sydney too, just to another job.

It was a very big challenge, but, well, something had to be done otherwise I was going to lose the house.

At Tasmania, Muleya experienced some more struggles, but fortunately, things began to improve as time went on.

So in Tasmania, I got a job as a registered nurse as well but working under a nursing adjunct. So they sent me to Launceston hospital where I was working as part of the staff there. And the only positive thing was that airfares were paid for, accommodation was paid for, all I had to do was make sure I had enough food for myself and then because I was again by myself, I didn’t know anyone, it was a very challenging environment again. So to fix that I had to make sure I was actually working 24/7. So each time I moved from one job, I moved to another job so that I was totally occupied.

I stayed in Tasmania for a year, so the end of 2009.

Then the GFC was sort of getting to an end. So I got a job back in Sydney at Norwest Hospital, which is just about a five minutes drive from where I live. So 2010, that’s when I actually moved to Sydney to join my family after I acquired a job at Norwest Hospital.

So I’ve been working at Norwest Hospital and I’m actually still working there whenever they want me to. So from 2010 until now. But for now, I just do it as a passion more than a job.

Muleya' first property was a family home, which he bought after first settling in Australia.

The first home that we bought two years into Australia, so in 2006, was actually a home for the whole family to live in because we were renting a very small unit and with a family of five, it was very, very difficult. So I thought the only way we can actually live in a better place is if we bought a home, so that’s why we actually had a home for the family to live in a better environment.

When searching for his first property, Muleya was very new to the world of property, but with a bit of luck on his side, he managed to find a nice house to purchase, which he later made readjustments to in order to bring in more income.

“And then I did start small so that in case I make a mistake, I am able to move out.”
-Sanders Muleya

So truly speaking, I didn’t know what I was doing. All I wanted was a home to live in. But fortunately enough, I landed up into a nice suburb, which is called Glenwood. So I was just driving around and looking for a place and for a home where we could fit our family. That’s how we ended up buying the house that we live in now.

I still live in that house. It had a very beautiful swimming pool in the back. But after I learned a lot of property investment strategies, I ended up destroying the swimming pool, I built a granny flat there and it is now bringing in an income.

And also helping to pay the entire mortgage.

For Muleya, his second property that he bought was certainly not without its mistakes, but after educating himself, he soon began to truly embark on his real estate investment journey with incredible success.

So what happened was for me to start investing, I went on a trip with Patty and everyone was talking about investing and how they bought properties and all that stuff. So then the following day I said, well, it looks like it’s actually only me who hasn’t done anything. So, a week later, without knowledge, without knowing what I was doing, I again, just drove into Liverpool and I don’t know how I ended up there. I ended up buying my first investment property. That was so expensive, I didn’t know. And the rental amount was so negatively geared that I could barely sustain the mortgage repayments, and to make matters worse, the bank used my home as security. And because I didn’t know it, that’s exactly what happened.

So when I wanted to buy property number three, meaning my second investment, that's where now I realized that the case that I bought was overvalued. And then the banks would not lend me money because the second investment profit was cross-collateralized. So they had to value both homes. And they said, well, your income cannot service this. And then secondly, both of your homes do not have much value for you to move on. So that's when I realized I had made a massive, massive mistake. So to move forward then I thought, I must stop this. So I started educating myself. So I ended up going to different seminars, reading books about investing. And I ended up with Jasmine's Definite Boholt. She teaches a lot of strategies on how to invest. And after I had massive knowledge, that was 2013, that's when I sat down and put a peg in the sand and said this is what I want, this is how I want to invest. So I chose a single strategy that I actually wanted to use and I chose property development. So from 2013 up to now, I've been doing property developments. And so far I've managed to acquire 15 properties within that time frame.

As part of educating himself on real estate investment, Muleya enrolled in many different courses.

I did Jason and Amy’s course, I did Bob Andersen's course as well. And then I did all the courses with the Definite Boholt from renovations to land subdivisions, and then property development itself. And then I've also done courses with Macro Ton, Australiadas Options. Yes. I've also done courses with Ian Ogati, it deals with positive cash flow investments. And right now, after joining the Buyer's Agent Institute with Ben Handler, that's how I am actually converted into the buyer's agent business. So I've pretty much-done everything you can think of in terms of property.

Muleya's speaks in more detail about his worst investing moment, which was when he bought his first investment property and decided to make some changes to it.

My worst moment was when I had to sell the first investment property to be able to move on. So I had to sell it and lost money, about $80,000. So that was my lightbulb moment, when I said, well, they should be a better way.

That was the property in Liverpool. So once I sold that property, it then opened all the gates for me to actually do whatever I wanted to do. But without education, I wouldn’t have done that. And then the other situation that I can relate is when I bought the house on a block of land, and I knew what I wanted to do, so I subdivided, I was going to subdivide it into two blocks of land and then build two homes. But without consulting the bank, I went on to demolish the house before I even secured a loan to go and build. So when I went on now to try and borrow money to build two houses, the initial bank said you have breached our mortgage so we cannot lend you any money to go and build, I don’t know what you’re going to do. And then I tried to use mortgage brokers to source a construction boss. Every mortgage broker couldn’t do it, they said, well mate, you have done a very bad job here and nothing much can be done. So that was one of my worst experiences. So to fix that, I had to talk to a bank myself and they spoke to the bank and say that this is my situation, how best can you help me guys? That’s how I actually got out of it and they managed to lend me money for construction.

He gives us some more information as to why the bank stated there had been a breach of lending conditions and some excellent advice in regards to real estate investment.

Because the initial lender had lent knowing that there was a house as security. So once that house was demolished, then there was no security on the mortgage, it was a piece of debt left there. So then the bank said, well, you have breached our lending conditions. We knew that there was the house, you didn’t tell us you had demolished the house. So somehow you have to pay out and we went down on the deck.

It took about three months for that entire problem to go away. But I knew that investing is about solutions, it’s about finding the best solution ever.

To me, it’s all about problem-solving. Do not be afraid to fail. Be afraid not to try.

Muleya tells a bit about his 'aha' moment when everything fell into place and he has given a sense of hope for the future of his property journey.

My first ‘aha’ moment was when I actually built a house—this was the first time I built a house, when I bought a piece of land in Western Sydney. I bought it in 2014, ended up building a house there. The property’s price was 250 for the land by then and the construction was 250. So I spent 500 on that. And it took me two years to build and in 2017, it was valued at $780,000. So meaning that within that short time frame I made a $280,000 profit. So that was my ‘aha’ moment when I said, well, if I can achieve this, surely I can do better things then.

Muleya came to a crossroads as to whether he should keep his job as a nurse or pursue property investing full-time...

I kept my job because even if you do that, to be able to borrow money, you still need a job. So that’s why I kept on doing my nursing job and out of passion as well, and then continued doing the same thing and then this time I actually scaled up and did bigger developments.

Successful Real Estate Investment with Sanders Muleya

Muleya first completed plenty of study and put what he learned into practice before he began property development, and even then, he started small.

Pretty much my inspiration is I do a lot of study; whatever I engage myself in, I make sure I thoroughly go through everything and learn completely about it. And then practice is also an integral part of that. If you just learn, read books and never do it, you do not affect anything. So once I had done my studies, I started travelling to different councils around Australia. I visited about thirty-two councils. The reason for that is I wanted to just have that confidence to talk to different professionals, understand how councils work and that’s how I started into property development, by understanding what their requirements are when it comes to developments. And then I did start small so that in case I make a mistake, I am able to move out.

So that’s why I just started with a single construction, just building one single one. And then once I saw the process, the process is pretty much the same when you build 10 or 12 townhouses or something like that. But then by starting small, I got to understand the entire process from applying for tenants, getting all the terms approved, hiring professionals like builders and then also being able to follow through to make sure everything is done on time. That’s how I started pretty much. And also talking to people like Jason here and there, whenever I had a question that I couldn’t understand, I’d text him or call him and say, look, I’m actually stuck here. What do you think? What next can I do?

However, the construction process for this property development wasn't smooth sailing.

The construction itself was supposed to take six months, but it ended up taking a year because of the builder that I engaged. I didn’t do much research on the builder, only to realise that they were not a very good builder. For that one, the results that came from it were quite phenomenal.

So that was that first one you did, right. Where you made 280,000, is that the first property you're talking about?


I guess that was in a market that was growing as well too because I think you purchased that block of land before the market had started climbing.

Yeah. So that was the benefit, that I bought the land very cheap and then the builder was very cheap and also the market was moving upwards.

Muleya tells us a bit more about what he did after his first property development, which involved purchasing and building properties.

So after that, I then mixed it up. So I did one off-the-plan deal in Townsville, where I bought a unit that was being built off-the-plan, that one did very well as well. The purchase price was 300,000, and then at completion, it was valued at 380,000. So that took about two years. And then after that, I did a house and land package in Newcastle. There was a house there that was built. And then after that, all my other properties were pretty much developments. So I’ve done developments in Wollongong, Newcastle, Brisbane, and Tasmania.

He then gives us the time frame within which he has managed to invest 15 properties.

So it's pretty much, I can say, six years. 2013 to 2019.

He goes on to tell us whether he keeps or sells these properties.

Pretty much my philosophy is to keep, but it depends on what is happening. For instance, if I build four townhouses, I may sell three and live in one or I may sell two and live in two depending on the outcome. But all the properties that I’m keeping, they’re all positive cash flow properties that I don’t need to revisit again.

Ah, excellent. Yeah, that's what I was going to ask you. How did you manage to continue to fund it? Because if you're to develop the properties, once you've developed them, obviously you've got to somehow pay off the debt. So you managed to buy some, sell some, buy some, sell some and hold some. So you're able to continue to accumulate more and more properties.

Yeah. Because they are positively geared, that’s why I continued borrowing money from the banks. And then because whatever is there, the tenants go in and they pay pretty much everything.

We now delve into the nuts and bolts of his property development strategy.

My strategy is pretty much straightforward. So what I do is I go into some of these suburbs where people think that the suburbs, such as West suburbs, are not very expensive. I look for properties that have got a twist. When I say a twist, I mean, for instance, there’s the house, a very old house sitting there on a very big block of land. So what I do is I make sure I do all the feasibility to make sure that I can build, depending on what is permissible in that area. But most of the time is when there is the existing house, I end up putting in two or three hours every day or four hours depending on the space. So because there’s an existing house that comes with the land, that’s where I can continue to make money out of it because I’ve realized if I just buy land and then build, there isn’t much profit to be made.

So if I buy an old house on an existing block of land, build one or two at the back, renovate the existing house, and then at the end, I’ve got choices of what I need to do, there are multiple exit strategies. So I can sell it as a DA site, or I can go onto build and then look at whether I’m keeping three, I’m keeping one or what am I exactly doing? So that is the simplest strategy that I have been executing throughout.

When it comes to finding these properties with which to execute his property development strategy, Muleya lets us know how he does it.

So most of these properties are everywhere. So the way I find it is I’m very soft-spoken so I tend to create friends easily. So I normally talk to real estate agents and make friendships with them. I will pitch something to them, for instance, I’ll say, look, I’m going buy this from you, I’m going to develop, and then you’re going to sell it again. So that means they’ve managed to get money from the initial pitches and they will also get money from the sales of the new product. And then on top of that, I’ll say, whatever I’m going to keep, you’re going to manage it. So because of that, when I’m looking for my next deal, I just tell them, guys, this is what I’m looking for, in the next three months I’ll be ready to purchase. Do you mind running around and looking for these deals? And most of the deals are off-market deals that are not even advertised on the internet, so that’s how I get my deals, both for myself and my clients as a buyer’s agent.

And also for them, because they know that dealing with a serious buyer, they do not have have to market, or spend advertising fees and go to open homes and all that stuff. So it’s a win-win situation for them and for that client who is actually selling. It’s a win-win situation for me as well because I don’t need to run around looking for properties.

With properties in so many different areas across Australia, Muleya tells us about how he manages to handle the different councils.

I am able to manage different areas because of the clients’ requirements. So I’ve found that most of my clients, that’s where they are looking at investing. So the most challenging part is when I’m starting to investigate and getting to know the area. It takes me maybe about two to three days to get to know everything about that individual council. And once I know about it, that’s what I need to do. And there are not many councils. So if I do one or two deals, that’s how I actually get to know everything about that individual area.

He lets us know about the current projects he is working on at the moment and what his plans are for them.

So right now in Tasmania I bought an eight development site with two existing houses. So there’s two existing houses and eight units, they are called units there. So that project is now we are waiting for the construction certificate, which is called CC. I’m looking at construction starting in January, February of next year. And then I also manage sites for other clients. For instance, a client will get a site for a client. They say they don’t have time, they don’t have the expertise, but however they’ve got all the money, all I do is I find this site, do the due diligence, the client buys it and then they say, can you manage this for us? So I manage the entire process from acquisition, due diligence, until we actually build and then at the end, depending on whether they want to keep, sell or whatever, I help the client throughout the entire process.

So I’ve got about three deals going on right now in Tasmania. And then a good one development for myself in Wollongong where I actually negotiated. I’ve never done this, but I think through my skills, I negotiated on a piece of land that was supposed to be sold for 375k. I ended up buying it for 300k and then I am building a duplex on there. So these are the types of strategies whereby at the end of the entire project, I am going to keep the two duplexes and then they’ll be positively geared, even if I pull all the money that I would put in there, it will be still be positively geared. And then I would be able to finish off or do other projects somewhere else.

In regards to this excellent negotiation, Muleya tells us about how he managed to successfully bring the price of the land down to such an extent.

So I am a very good negotiator and if I don’t get what I want, I just walk away. So what happened in this instance was they wanted 375k for the size. And I said, look, I am willing to give you 350 K and then they said, well, just forget it. I said, okay, fine, but when things change, please let me know. So I just walked away. And then I think a month later they said, “Oh, we remember you wanted to buy that site for 350, it’s still there, are you willing to purchase?” I said, “Oh yeah, I am, but my circumstances eventually changed now. Now I am willing to buy 300k now.” And then they said, “Well, that can be,” and remember the property market had dipped? So no one was actually buying. So I said, “Okay, if I can’t get it at 300, I’m sorry you can sell it to someone else.” They say, “I will, there are other buyers.” I said, “So why can’t you sell it to them?” I think two months passed by, and the agent rang me and said, “Sanders, if you are willing, that property is there on the market now, you can get it for 300k.” I said, “Whoa mate, that’s it.” So I jumped into the car, drove there and then signed the contract.

So I think it was someone who was really motivated and I think the mortgage was starting to eat into their pockets. So I think they somehow they just wanted to get rid of it.

Getting things done on time requires finding the right workers for the job, such as builders, and Muleya has an excellent technique for doing just that.

So to mitigate risk, the way I manage the process is getting referrals of very, very good professionals in the area that I’m doing development. So first of all, I interview a few professionals, I can talk to real estate agents, I can come to solicitors, I can talk to any professionals in that area. For instance, if I need a builder, I’ll get different answers from different people. And then I’ll go on to investigate further about that builder in terms of them showing me what type of stuff they’ve built. And then I also ask for references, like maybe two or three references of people that they’ve built for so that I can bring them to find out about their success rates. So I may interview three builders in that particular area and depending on what information I get, that’s how I actually get to hire professionals, but I find that when I get workers that have been referred by another professional, they will never send me to someone who is quite bad. So that’s how I am able to get professionals from town planners, architects, builders, you name it, that’s how I am trying to progressively make sure I minimise this.

For Muleya, something that has changed for him over the years is his confidence when it comes to property investing and acting as a buyer's agent.

I think what has really changed for me is being able to believe in myself, being able to execute every single strategy that I think of and having the knowledge to do things, like I can walk into an office and the language that I present and the way I talk to people, the way I do things. That’s how I actually gain confidence and also the trust that I get from people that I work with. And when people constantly come to me for advice, for this and that, then I realise I’m actually doing the right thing. And the other confidence is built through getting referrals from my previous clients saying, well, you did a good job for us. We are going to refer so-and-so to you, and when they come to me, they are already qualified, because they are referred by someone who they already trust. So I mean you still have to make sure all the boxes are ticked. You still need to mitigate risk, but if you know what you are doing, that’s how actually how you continue to gain confidence.

We then go on to find out the reasons behind why he does what he does.

So my ‘why’, number one on the list is to get my time back, I need to be able to work when I need to work. Number two is to I have financial freedom. I don’t need to think about where my next dollar is going to come from by building cashflow properties and just being able to travel when I need to travel. And looking at my family, spending more time with my family, travelling, as I said, if I need to travel. But more importantly, being able to help others, to see other people changing their lives through real estate investment. And not only that, like if you manage to help other people, that to me is actually my wife. That’s why every day it’s a motivation for me.

Over the course of his real estate investment journey, Muleya has had many mentors and read many books that have helped him.

So pretty much I had a mentor for every education program that I had. I never had a single mentor that I had. And also the support of the community, you could bring other students or other people that are doing development. But in the case of a coach, I can say every coach that I have tried to learn from has been my inspiration.

There are so many books that I can involve, but “Rich Dad, Poor Dad” is one of the books that changed my life. It’s just a simple book. It doesn’t talk about real estate investment as such, but it’s just the mindset. You’re just changing the way you actually think and next, I’ve been reading a most interesting book, I don’t know if you have heard of this, it’s “The Way of the Spiritual Entrepreneur”.

It's about the seven secrets to becoming fearless, stress-free and unshakable in business and in life.

It's by Pauline Nguyen.

Muleya goes on to tell us a little bit more about a book that has made an impact on him.

So this book is all about mindset. It’s about when we wake up every day, you think you can’t do this, this is too hard. You know, you look at yourself, you are never motivated. So it talks about things that can fulfil your everyday goals. So from when you wake up in the morning, you know, what you need to do. It talks about exercises, it talks about refining happiness. What do you mean? What is happiness?

And then you know, it's not all about money. It's about the people around you.

And then what would you align yourself with? And then it talks about what is freedom, what do you call freedom and what do you call success? So there’s a lot of things about this book that I actually like and whenever I am down and not to my scratch, if I read any of the pages, it does inspire me a lot.

He tells us about some of the personal habits he believes contributes to his success and improves his life.

First of all, I realised that if you align yourself with people of the same mindset, people that do the same stuff, you tend to be successful because every day, you talk about positive things, there is nothing negative. So I tried to align myself with that. So I’ve lost a lot of friends along the way, which is good and which is bad. But I think it is more positives than negatives. And then the second thing is exercise. So every day I make sure I do some form of exercise, but number one, I like cycling a lot. So I can cover maybe 10 to 20 kilometres on a given day. Then at home, if I’m too lazy, I just go onto a treadmill. And this is the time when new ideas come up, when I’m doing all those exercises, my mind becomes fresh. And then my family values, I am just myself. I’m never… I just keep low. And yeah, I just smile every day, that’s what I need.

Although in the past Muleya might have told himself being successful would be impossible, especially as a migrant to a new country, these days, he knows that it's exactly the opposite.

Everything is possible.

As long as you have a peg in the sand, everything is possible if you have your ‘why’, everything is possible when you execute and follow exactly what you learned.

He also tells us what he is most excited about in the next five years on his property journey.

So what I’m excited about is number one, I am entirely leaving my nursing job next year and this has been in the plan for the previous two, three years, and I’m calling it quits in June next year. And then the second one is that I’m starting a buyer’s agent business where I’m actually helping a lot of people invest in positive cash flow properties. I don’t look at negative gearing, I don’t like negative getting for a number of reasons. Positive cashflow, it gives you financial freedom. It doesn’t tie you to your nine-to-five job. You can have enough time to spend with your family. And then number three is that I’m going to continue doing my property development and then just enjoy life.

How much of your success is due to your skill intelligence and hard work and how much of it is because of luck?

I don’t believe in luck myself. There’s nothing called “lucky”. We are all given the same opportunities in this universe. That’s what I believe. The way we react to everyday challenges, the way we react to the world, that’s what makes it different from everyone else. So the majority of my success is through sheer hard work. It is through a sheer determination and having a goal in mind to say this is what I actually want to achieve. Without that, you are just dreaming, and also making sure you cut out stuff that is actually dragging you behind.

For those of you who would like to get in contact with Muleya, you can do so through the following avenues...

So the best way to find me is to go to my website, or you can reach me on my email address [email protected] or on my mobile number 0431 577 620.

This episode was produced by Annie Gao with narrations and interviews conducted by Tyrone Shum.

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