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400k PPoR loan @ 30% LVR Zero IP Zero consumer debts/loans 50-70k cash set aside for property investment I read it as 30% of $400K loan is $120k + $50-70k cash = <$200k. I personally think this is far from a great strategy. However, with your cashflow, buy and build straight away...

What are your expenses like? $200k hard cash assets seems pretty low for a >$180k income. That might be a place to start. Next is, what are your end goals? Retire at... have assets/income of X by... etc. $50-80k of 2014 money is pretty simple. Buy 3 houses, build 3 granny flats, pay it...