Misleading title of property GURU, page-35

Yep, you haven't a clue, have you?

A P&L statement includes all expenses, including depreciation.

A cash flow statement excludes depreciation.

The girl said you could be negatively geared whilst having income greater than expenses. Wrong.

If the article is correct about that sort of in-depth ignorance, hopefully she has adequate professional indemnity insurance, as she will surely need it.