Mat's story is one of the most compelling migrant success stories in Australian property. Arriving from Serbia at 17 without speaking English, he went from construction sites to building one of Australia's most sophisticated property analytics platforms. In this conversation, Mat reveals how he and co-founder Alex created HTag Analytics - a platform that analyses over 80 metrics and 2 billion data points to predict property growth before the market catches on. We explore the crucial difference between "hotspots" (already expensive) and "warm spots" (where smart money goes), and why 80% of property returns come from location choice, not the property itself. Mat shares the mistakes that nearly killed their business, why most property courses fail investors, and how AI is revolutionising property analysis. Plus, he gives his current buying recommendations for different budgets.This episode is packed with insights on data-driven property investing, building a tech business, and why community beats competition every time.