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As your rent increases so does your cashflow. Also, your wages should increase in line with inflation over time. This improves your serviceability. Once you have the serviceability you can use the increased equity as deposit for new purchases. Alternatively, you can sell some properties with...

Also, remember equity money is 100% tax free money whereas savings money can be after tax dollars. So saving 100K after tax will require you earn over 100K. Cheers, Oracle.