Hi Yazdan, very very simple answer… capital gains may be a thing of the past. Sell each property at retail price on a rent to own contract making sure each has positive cashflow. Do not even consider bankruptcy, that’s the cowards way out. Most financial advisers are a waste of time because none of them have a bank account bigger than yours. Also, negative gearing has never ever worked as you lose a dollar to save 30c. Accountants and tax people are the only ones who think it works. Always think positive cashflow otherwise you will go down the drain. Communication with your bank is very important. Never cross collateralise.