Investing in Specialist Disability Accommodation (SDA) offers a rare opportunity in the Australian real estate market: the ability to secure long-term, government-backed funding while making a profound social impact.
At ACIGP, we specialize in delivering purpose-built homes for Australians with disabilities. Building these purpose built properties is complex, but our end-to-end ecosystem makes it seamless. We manage the strict compliance and architectural requirements so you can focus on the security of a high-yielding, long-term asset.
To maximize your revenue metrics and minimize vacancy risks, we do not deal in standard residential homes. We focus exclusively on the highest-demand categories to ensure tenant stability and maximum funding security:
High Physical Support: Homes featuring high-level structural provisions for ceiling hoists, assistive technology, and clear accessibility pathways.
Robust Homes: Properties constructed with resilient materials to protect the safety of the participant and the longevity of the investment.
Traditional 4-bedroom family homes yield average, slow-growing returns. Our NDIS properties flip this model by offering unmatched stability and security for your portfolio:
Government-Backed Security: Income is secured through the National Disability Insurance Scheme (NDIS), meaning your rental yields are protected by federal funding.
Long-Term Leases: SDA properties typically attract long-term tenants who want to settle into a custom-built environment permanently, drastically reducing tenant turnover.
Social Good: You are directly contributing to solving the critical shortage of accessible housing in Australia.
Purpose built property is bought for one reason above all others: the income it produces while you hold it. A standard residential investment property in Australia typically targets a rental yield of around 3% to 5%. Our purpose built properties are designed to work harder than that.
These are targets based on current market conditions, not promises. We do not guarantee returns on any property, and any figure you see from anyone in this market should be treated the same way. What we can do is show you exactly how a target yield is built from the SDA payment, the reasonable rent contribution and the design of the dwelling, so you can judge it for yourself.
Be prepared for the real numbers rather than the standard property playbook. For a house and dwelling package at around $750,000, you typically need at least $200,000, and closer to $250,000 to be comfortable.
The reason the cash requirement is higher is financing. Not many banks lend on NDIS dwellings, and the lenders who do often value NDIS and co-living property differently to a standard home, frequently under-valuing it. A lower valuation limits your borrowing capacity, and the gap has to be covered by you. None of this makes purpose built property a bad investment. It makes it a specialist one, which is why the lender and the valuer you use matter as much as the property itself.
You can hold purpose built property inside a self-managed super fund, but the rules changed in 2026. From 10 August 2026, SMSFs can no longer enter new Limited Recourse Borrowing Arrangements to buy residential property, which includes NDIS and SDA housing, under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026. Existing arrangements, and contracts exchanged before that date, are grandfathered, and commercial property is unaffected.
Your fund can still buy an NDIS or SDA property outright with existing super cash, paid in full. There is no loan to structure, so the question moves from what you can borrow to what your fund holds. We also support purchases through family trusts and unit trusts, and we work with finance and lending partners across different areas to match the structure to your position. If you are considering your super, sort the structure before you commit to a property, not after.
We are a one stop shop. ACIGP is a team of accountants, brokers and builders with over 100 years of combined experience, and we build in Victoria. That combination matters in this asset class, because a specialist purchase is a tax question, a finance question and a construction question at the same time, and most investors are otherwise left to coordinate three sets of advisers who have never spoken to each other.
The clearest signal we can point to is repeat business. Clients who are happy with their build come back and build with us again. We do not deal in standard residential homes, and we do not chase poorly located stock. We focus on compliant, well-located purpose built dwellings, because compliance and location are what keep a property tenanted and funded through policy change.
If you are weighing up an NDIS or SDA purchase, the useful next step is seeing real numbers on a real property rather than a general yield range. Book a free Returns Assessment and we will walk you through the target yield, the holding costs, the financing path and the structure that fits your position.
This is general information only and not financial, tax or legal advice. Speak to a licensed adviser about your circumstances.