I too have hit a ceiling on my ability to borrow more. I am half self-employed and half salaried (it’s complicated!) My bank has told me that even though my portfolio is cahflow positive and the deals I am looking at are cashflow positive, because my tax return doesn’t show significant earned income, I can’t borrow any more.

I have good equity and so if any one know of more flexible lending criteria, I’d be keen to find out, otherwise I am going to have sell part of the portfolio before I invest again.

Luke