Thanks for the comments guys, food for thought i really want to do something with property soon, another option is for me to simply buy out my sisters half and keep the property which should by my calculations give me around $3.5-4k postive cash flow per year, then i could use either some 50% equity in that property to also buy something else or i also have around $310 equity in my own home (still owe around $130k)

Plenty to think about!