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But your LOC is just a buffer for cashflow. Do you have a buffer for rising interest rates on your existing debt? Or you're debt free? Or just rent it out for a bit and maybe save up the $80k over 5 years through rent?

That's a tough call, personally I'd sell and get rid of some debt/pay down debt. Good time to monetise and just see what happens to the market. Don't forget risk management is the other equation to growing a portfolio. It's hard to grow a good $10m portfolio. But easy if you do it recklessly...

I guess my question would be, why take an uncertain approach when there are easy picks? Monetising and putting it in better alternatives seems a better move. The most important thing in property investing is to know when you've bought a dud. No one gets it right all the time - I've had 1-2...