thanks for your feedback!

I think I manage my money fairly well so the IO option definitely seems like a good idea.

The properties at the moment are negatively geared. My intention is to get them positively geared and to purchase a lot more of them (I'm sure a lot of people have the same goal) but I am struggling with what next step should be. I am also looking at doing a renovation and/or a development but there is so much to think about so I need to figure out a detailed plan of action!…this is the hard part! any other suggestions?? I really appreciate this advice!