For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere.

It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly.

That's money that some investors argue could be spent on investments, or on a rental of your own that would at least bring some return.

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It's pretty common these days when buying a house to throw in a couple conditions with your offer.

You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one.

But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional.

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Who hasn't at some stage in their life been a landlord or tenant?

For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.

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