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Haha...I think OP was just making some conservative assumptions. Using ATO data though and making some observations, it appears that 'hit and hope' strategy of buying negatively geared property and hoping for capital gains is very limiting - most investors run out of steam after 1-2 properties.

Sounds like you need to sit down with someone and form a lending plan around your goals. Understanding how banks will view your situation now, and over time, will allow you to plan accordingly. Simply structuring your finances right and making a few tweaks can 'turbo-charge' your borrowing...