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Cathaygirl, I am liking your thinking. A renovation does not need to be a full remodelling of a house. It can be as simple as a repaint inside and out, tidy up the garden, have a carpenter fit new doors, fit new LED downlights etc. I would suggest you look for a property that is just a bit...

The $530 per week repayments you wrote about - I assume that was for a loan of 385k ie your maximum borrowing capacity? Why not start with a fixer upper for about 200k and live in it while you renovate to increase the value thereby giving you equity and the ability to then start investing in...