Hey guys! Very good to be here and I look forward to reading. Let me tell you a little about myself. I'm 28, have been investing for 3 years and wish to be financially free asap. I don't like having to turn up for work everyday. I have four properties (living in one, interest only, don't care about paying down debt) I have around $330,000 equity altogether and my aim for the medium term is to live off equity rather than sell anything and re-assess as time goes on. With a conservative growth rate across the portfolio as is now I see it as quite safe and I'd be making more equity than I'd be spending each year. Thing is, I don't want to stop work just yet as I require more assets cause I want to be much more well off than I am now and still have my prime earning years ahead of me. Plus, I get bored at home if I'm there too long.. Anyhow, total value as of now is $1.600,000 with an LVR of 79% I don't plan on paying off my PPOR as I can that to live on also and don't see any point in paying it down as I'll always use the equity for further investment purchases anyway. So, in reality, I do wish to add to the portfolio and then let compounding work it's magic. I really hope that I can take a year off and travel with my wife within the next year or so, do you guys think this is possible? Also, do banks lend to 80% LVR without any servicing income these days? I was able to pull some funds recently to 80% without question, but the same bank can probably see that I have a wage to service this, dunno? Cheers guys.