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As a seasoned real estate investor, I am always on the look out for cash flow positive property opportunities.

That is, the ‘gearing’ level of debt (mortgage) for the prospective a

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

cquisition must always leave my property portfolio in a positive cash flow position having regard to potential rental income. (I will never negatively gear a property purchase.) I

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

naturally take into account the estimated maintenance expenditure and other outgoings in computing the equity that I will need to invest into the purchase to ensure the property wil

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

be cash flow positive.

Thus, each investment property purchased, adds to my net annual income.

I only buy at wholesale prices (at least 20% less than market value) and usually fi

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

d that after doing the sums; I need to put in another 25% of my own capital. Hence, the new acquisition is initially geared to a maximum of 55% of current resale value.

My system n

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

cessitates that I always purchase two properties in each individual “wealth cycle”.

As soon as there is enough combined equity to do so – due to a rise in property values and/or th

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

reduction in the mortgage via the two rental incomes - I sell either one of the pair, which leaves the remaining property freehold.

Result: one more freehold (unencumbered) proper

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ty added to my portfolio of freehold properties.

I then consider that particular wealth cycle completed and immediately begin to look for another two acquisitions to repeat the pro

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ess.

Sounds easy – well it is easy and becomes more so with experience.

However, what is worth pondering over is the comparison of the net rental return of a freehold investment p

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

operty, to the net return of a smaller income producing website.

My most recent wealth cycle completion left me with a freehold 2-bedroom apartment (we call them home-units here in

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

Australia). The property is now worth about $120,000.00 and currently rents for $125.00 per week.

A smaller website, for example, one that receives on average three or four e-book

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ales a week and earns a modest income from Google Adsense, can also produce $125.00 a week. So, if the return is the same and the owner’s input is negligible in both situations, why

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

isn’t the website worth $120,000.00 in comparison?

The website owner, of course, would be extremely lucky to receive 3 - 5% of $120,000.00.

I feel that this anomaly has been partl

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

created from the result of the dot com boom and bust cycle and partly because, in spite of all the hype, the economics of the Internet is still in its infancy.

Can cyberspace be c

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

onsidered real estate? Or is a website merely at best a business proposition with some added intellectual property?

Whatever the answer, I feel that Adsense (and similar programs)

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ave underpinned both the prospective and the potential value of website valuation.

The cash flow from a few websites, each with an average return of $125.00 per week has enormous

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ealth creation potential for the master wealth creator. I could foresee the linking of a pair of income producing websites with a higher geared property acquisition (purchased at wh

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

lesale price), so that the monetary effect would be as if the rents of three properties were now quickly paying off the mortgage of the new acquisition. In this example two of “the

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

roperties” are in cyberspace yet it is important to understand that the net monetary effect would be exactly the same.

A couple of websites is “no big deal” - yet if one considers

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

hat those same two websites can give you a freehold income producing property approximately every five years, then the values and economics of the internet will need to be rewritten

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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