Wilko, I have a similiar problem ie stagnant after Inv Property 1 but I have a FA. His advice is to keep paying the loan but I want to go buy the next 1. The FA can bring me deals and help with finance but I need help with strategy and I’m not getting it – no imagination, more like a real estate agent / bank. I’m getting frustrated as I read about all these people building there portfolios with far less and I keep getting you have the deposit but serviceability is an issue. I have $200k in equity and earn $78k. Do other people have a hard time convincing the bank you can service the loan or is it because you are buying +ve cash flow properities?