I stared with my firrst property when I was inbetween jobs and the bank was more difficult to deal with due to the fact that I was not working at that time.
The statagy that I have developed since that time is to obtain well paid employment in an industragy that provides me with good skills as well as information and contacts that also assists me with property investing.
Now as well as doing a job that I pretty much enjoy that provides me with a good income I invest in property as well, my main statagy for property investment is buy, improve and hold although I am beginning to do some development work as well.
I look at every property and work out not only how to best increase capital value but how to raise the cash flow form the property also.
As I get regular pay rises , rent increases and of late increases in capital value it improves my financial position and enables me to move forward and purchase more property.
I could choose to retire at any time that suits me – the banks can not recall the loans as they are fixed P & I loans.
I like my job so intend to stay there for now and when I do eventually retire the income that I receive from investment property should be quite substantial.[aacool]

Lacey A.N Ward