hi guys, know exactly where your coming from lockieoz, i to am trying to get my head around this. steves new book page 172 – 175 under borrowing capacity , quote- ' using multiple trusts and multiple lenders to source loans that i am guarantor for is one of the secrets to how i have borrowed tens of millions of dollars and brought hundreds of properties'. steve says to set up a family trust and then introduce a company trustee as the owner of any investment properties with you being the guarantor and director to the company trustee. he then says when your current lender wont lend the companee trustee any more money for more properties, move on to a new lender- set up another company trustee and start borrowing again. this is how i understand it.
  in steves example he has placed money into the trust for a deposit on the investment purchace, then the bank loans money to the trustee on behalf of the family trust.

qu. how do you use equity in your own home without the need for a cash deposit in this situation? (the home residence being in the wives name)

my accountant has (who i dont have the greatest confidence in) has just set up a family trust to split income from my small business- all invoices are titled xxxxxxxxxxxxxxxxxxfamily trust, i have no companies as yet and i am the trustee. my wife does not work and we have children. i own one investment propety in my name.( locked in fixed interest till jan 2011- stupid idea) the personal place of residence is in her name only but both names apply on the loan-not sure if this means i am just guarantor? can anyone tell me if im heading down the right track? can someone give me the best possible structure in my situation for future multiple investments?

great site steve and the team, best thing i ever done was by this book 2 wks ago ive learnt more in 2 wks than 20 yrs
thanx for your time guys. 
i may have some more questions