Hi I have shifted to all but 2 loans to no doc loans.Spread over 4 lenders.My broker places loans across the 2 mortgage insurers as they have a ceiling each at 2.5 mil.no doc or equity lending doesnt require to show income.I use 50 -60% and stamp to 70% of sworn valuation.The balance I use as service buffer.My aim is to borrow at least 100% plus on each item of property as soon as possible.This is not do able with conventional lenders.Increasing the loans is agiven  with no doc loans depending only on the sworn valuation and a clean credit report .I have tested this for myself and found it to be true.Valuation sent in X 70% a bit of stamp duty a $600 legal fee less the existing loan and the rest to my buffer account.I them use the buffer to seed my next purchase.Put it out and bring it home asp.Leaving 30% equity wealth added.To me it is all about having as near as i can 50% over all borrowed.As the values increase I sit down list them work out the lov then work out how much is to be bought to get to 50% again.I have been doing it like I have described for the last 4 years trebeled my equity increase in real wealth around 6 times our household taxable income.without addiing to the proccess from earned income.