Not sure what's happened in the past year, but i've kinda ran out of ideas and currently doing all i can to build up my cash reserves which is offsetting against my investment property loans. I'm feeling slightly dissapointed, i had goals to buy 5 properties by 30 (i'm 26 now).....but now can't even fathom buying a 3rd any time soon. Looking for someone to inject some ideas or thoughts into my siutation. Here's my position: 1st Property - Bank Valuation earlier in the year of around $550k (though i think if i get my own valuation down it would be above $600k and possibly even nudge $700k in today's markets). The Loan against this property is $415k interest only with offset of which approximately $175k is on the house itself, the rest of the proceeds have been funding my share investments and deposit for the 2nd property. 2nd Property - Bought last year for $500k, a bank valuation earlier in the year was around $530k. The loan against this property is 80%, so $400k interest only with offset. * The total amount of cash i have left to offset both groups of loans is around $15k now. * The property and loans are all held under my own name Shares - I have around $200k invested directly into shares under my own name (mixture of shares though slightly weighted towards small/mid-caps and growth stocks). Managed Funds - I have about $50k in managed funds which i've stopped topping up as I'm thinking i'm getting better returns investing directly myself and they haven't really increased at all in a span of 2 or so years. ------------- I've been saving every cent and have tried to keep spending to an absolute minimum. Taking into account the interest and revenue streams each month (from work and the rental properties), i think i can save about $1500-$2k a month. All of which is going back to the offset account. I'm currently living with my parents, but don't want to continue like this forever. I definately want to move out by 30 and actually live in my own home, a decent one which at today's prices would be at least $600k. My original goal was to purchase a property a year for the next 5 years and owning 5 properties by 30, i think i have scrapped this plan because i just can't think how i could build a deposit and take on that much leverage....even if i'm saving every cent as i'm doing now. My revised plan was to hold property #2 for 5 years and sell, releasing any gains to fund my own home; however, i'm starting to feel that this in a way will make me move backwards because i'll still be only holding 2 properties, and will be locked in paying the PPOR and won't have much money to invest elsewhere. I've kinda ran out of ideas, quite aimless at the momment and don't know how to proceed. The things which i need some direction on are: * Do I have the right structure to fund future investment property purchases? To fully maximise it? * How do I own my own home, yet still hold at least 2 investment properties and perhaps purchase a 3rd. Assume $600k for both PPOR and house * I don't want to sell down all of my share portfolio to fund the property purchases. I want to leave at least $100-$150k for future growth. I'm hoping that the market improves and that my share portfolio increases, though at this rate, it's probably not going anywhere up fast. I read articles with people owning 5+ properties and doing extremely well in today's market. I'm stuck on just 2 and in some ways have lost the appetite....how do i get it back. Hoping someone can inject some life back into me and my quest for that next property.