Disclaimer: Apologies in advance. I feel like I've read the whole internet and watched every investors video but I'm, STILL a Noob. I've already made my first couple of mistakes and a hoping to glean some insight from you experienced types on where to go from here. I am single, 35, earn approx $45K per year. I absolutely love my job, but it's not going to get me anywhere unless I make my money work harder. To date: Sept 2014 - Bought 2 brm pathetic unit in Hobart for self to live in and renovate. Purchased: $168K (95%LVR) , reno $15K (did most of it myself) Reval: $210K May 2015 - Bought a Broken Hill 3brm house Purchased: $110K Borrowed $120K to do small reno and have cash for next investment; Tenanted for $240/wk. June 2015: Whoa! SOMERSOFT! NEWS FLASH! Hey hey hey! The other kids are trying this too! There are even some grownups around here! Hmm... Slow up! Just because you're 35 and scared, doesn't mean you should be buying in Broken Hill and now you're cross-collateralised which is a term you'd never heard of 2mo ago. Found a broker in Syd who can get me 3.99% but starting to learn that's not everything, hey... Thoughts to get this Noob on track?