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Spot on.....that is why I very rarely see people who own 600k properties go onto purchase more properties. The CG approach rather than the balanced CF/CG approach does not let you continue to acquire more properties.:(

I think your issue is serviceability and possiblly you may have X-collateralised with one bank. Your rents and salary are about 135k....based on a rule of thumb 40% of gross calculation you are going to be maxed on serviceability anyway. Don't like your chances....unless you go...