Hey Brmiau,

My husband and I are also 28 and dream big and our plan is very similar to yours.

We currently own two properties and very much at the start of my investment journey.

One thing i found very useful is going to lots of free seminars and reading heaps of taxation books. (this is where you think… boring tax??) but the most important lesson i have learnt so far is how to protect yourself, with my favourite saying being "own nothing control everything"

(assuming your not an accountant?)

My view would be go see you bank manager ask him how much equity you can access (but don't sign anything) This is always something nice to know and there is no harm is asking.

The Main difference ive found between a broker and the bank manager is a broker generally have better knowledge on how to structure yourself to be able to purchase more property, they will suggest refinancing your p.i loan to a interest only loan so you have more spare income for the banks to approve loan after loan. 

Next and the most important is going see an accountant. if you wish to buy heaps of properties and wanting to hold them as investments then i would suggest you set up a trust. A trust is like an invisible person who's name is on all the properties so if someone sued u they couldn't access the value in your properties or force u to sell them. A trust is also useful to control how much tax you pay. The reason i suggest a trust before purchase is because to start a trust after you purchase you have to pay the land tax/stamp duty again to change the name. I am not an accountant so can only share the basic understanding i have but its also worth asking your broker about getting home loans through trusts. as some banks are harder than others and might advise a trust later down the track

Anyway good luck and i hope your dreams become a reality.