Hi Benny – thanks for the advice. What I meant by the “two unencumbered IPs” is that they will be paid off after I sell the Sydney IP. And thanks for your kind words. I think a combination of good luck, being frugal, not living a profligate lifestyle, and being DINKS helped our situation.

Hi Richard – thanks for the welcome, and I sure have enjoyed my time here so far! So many inspiring people to look up to including your good self. Thanks for the point re entry and exit costs eroding potential capital gains as I hadn’t taken that into account. And thanks for suggesting diversification away from property, because I know two years is not a lot of time.

Hi Mark – thanks for corroborating with Richard’s opinion. I do need a proper strategy so I need to see an advisor. Any recommendations based in Sydney?