thanks marg, you opened up a few dimensions in my mind.
even if i go to a financial advisor, i know typical phrase they would say ‘it all depends on what you actually want to do’ .
really appreciate the time you have taken to reply to my posts.

ok, for my wife to juggle with work, i don’t think it is worth the penny to have my child sent to…[Read more]

Terry, thanks for your comments.
yes am highly geared.

i cannot just sell one, as you can see the properties are cross-collaterilised to each other, if i sell one i have to come up with CASH to COVER THE SHORTFALL on the other property to make LVR stay at 80%, and i don’t have that much money to cover that. so either sell everything or don’t sell at all

to shake-the-disease, thanks
how did you come up with $100k per year growth ?

also to terry, i cannot just sell one, as you can see the properties are cross-collaterilised to each other, if i sell one i have to come up with the shortfall on the other property to make LVR stay at 80%, and i don’t have that much money to cover that. so either sell…[Read more]

am in pretty much don’t know what to do now,
am thinking to get the $100K for my emergency fund, just in case.
you are right, that $100K is not all really profit, minus deposits & interests i have paid all along. the baulkham hills one was once a principal residence, so no CGT is payable on the profit, but on the other 2 properties i make a loss,…[Read more]