"I’ve found what works best is to start with an investment property rather than an owner occupied and then ensure this investment property provides positive cash flow. The property will still be negatively geared as you hold a mortgage over it, however, the income you receive is greater than your expenses making it positive cash flow. This also means that the additional funds you make from the property increases your overall income, meaning your ability to service the loan increases. This means you could then buy an owner-occupied property and have the positive income from your investment helping to pay down the property you live in."
Negatively geared with positive cash flow .... perhaps she is a guru after all!
