Hi. I have started reading up on property investment materials available online and books but I still don't know how to apply the concepts to my situation. Different authors seem to have different views on debt on PPOR and investment properties when you upgrade. The only commonality is that it's best to sell off your existing PPOR that has little or no debt when upgrading as leaving it as investment property will have negative tax benefit. Ok, here's the scenario: We have a place in Bull Creek, WA, under my husband's name with no debt We are planning to move closer to my husband's parents, and upgrade at the same time We have enough savings to cover the cost of the upgrade if we sell this house in Bull Creek. The same savings could be used as 20% deposit for probably 3 investment properties. Both of us want to invest for long term and reduce the tax at the same time. My husband is paying about 60k and I'm almost 30k a year. So probably 2 properties under my husband's name and 1 under mine? Here are the options that I could come up based on some of what I understand so far: Sell the house in Bull Creek, use the proceed and savings to upgrade so that there is no debt on the PPOR. Then use the PPOR as equity to borrow for investment properties. Husband to sell the house to me privately so that could become my investment property. I'll use savings as 20% deposit for the loan. The proceed of the sale + leftover savings will go into the upgrade. Husband to use the equity on upgrade for investment property. (This way, we could save on the selling commission for selling, rent out almost straight away, but I'm not certain whether buying the Bull Creek house back would be a good investment as there are better areas to invest) Rather than paying off the PPOR completely using the savings, buy as many investment properties as we could afford with the money. Treat the loan for the PPOR the same way as investment property and only pay off the interest over time. Here are some basic stats: Bull Creek has -6.6% growth this calendar year, but seems to follow the Perth's metro growth trend generally. Long term grow is 11.1%. The average days properties are listed on market is 74. Houses similar to ours is rented at $400-450pw. Also, another thing is, should we just get LVR 80% for all our loans or is it better to increase that with mortgage insurance? I'm going to talk this over this an accountant, but would appreciate if some of you have suggestions on the best course of action. Thanks!