Hi there! I am a qualified financial planner and a multi zillionaire property investor and everything else in between! Meaning a mother, a wife and a great cook! All I say is follow your instinct. All the books and seminars won't help if you don't follow your gut instinct to do what you need to do best ie just start investing today and not wait for another day………………… I've given myself a goal to semi retire and globe trotting forever within the next five years. You know why? because I love life and I love my family too much to be stuck in job (as much as I love job, I love life more!!) and I can say with 99.99% certainty that we'll get there. I can't wait to just enjoy our passive income from direct equities and properties and managed funds. So your 10 to 15 years to retirement is not bad at all. If you can't start big ,start small. Start talking to your bank lender to see what they can come up with from your equity, and then go to see a financial planner (as we often can not give you property advice). I let you in a secret I did not read books nor went to seminars. Yes I did my studies in financial planning but I just followed my instinct and spoke to my lender every couple of months to see if I can unlock my equity to further invest. This is how its get me to where I need to be in hopefully in less than five years…………………….
Make it simple get the agent to do the running around and put the advertisement under shared house accom that way you get positive cash flow by charging more rent from each one of them. Better still manage it yourself if you are time rich……………