The Victorian capital is the weakest of the major cities and its apartment market has been a loser for more than a decade. But the soft patch can't last forever: The investment fundamentals for the city are strong and long-term investors could do very well looking a little more closely at the Melbourne market.   In today's show, we cover:  Melbourne apartments - 'Be greedy when others are fearful' How your HECs bill blocks your borrowing capacity  Is over-capitalization over-rated? The two regional cities that capture the shift outside Syndey and Melbourne Adviser Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.