Hey, Ive been reading on this forum for a while and have picked up some really good information so far, but this is my first post. I purchased my first property when i was 20, im now 29 and so far i have developed a portfolio of 4 IP and my PPOR, Ive now come to the time in my life where im about to start a family. The problem is when this all happens will be down to mostly one income for a while. So my question is do i sell off an IP and reduce the loan on the PPOR to create some more expenable income during this time or keep them and 'tighten the purse strings'. So here is my current situation. PPOR (new built) Value: $520,000 / Loan: $400,000 IP #1 (22yrs old) Value: $300,000 / Loan: $0 / Rent $300 IP #2 (23yrs old) Value: $260,000 / Loan: $150,000 / Rent $260 IP #3 (60yrs old) Value: $270,000 / Loan: $220,000 / Rent $280 IP #4 (new built) Value: $290,000 / Loan: $170,000 / Rent $300 So the total Value: $1.64m / Loan $940,000 / Rent $1140 On paper i can afford the loans while we go to one wage, however the wife feels that things will be tight and would get tighter if one the IPs are not tennanted for some time. So now i feel that i need to decide if i should sell 1 or 2 IPs and use the gains to reduce the PPOR loan to lower the weekly repayments and to have some extra cash flow while we go through the "kids" stage. Any recommendations would be much appreciated.