Hi rolf, and thanks for your input.The whole reason for my thread is to make some sense of my position, because cba dont see it the way it should be.like taking serviceability etc. Ill lay out my position .ppor value $750k,loan$320k-ip 1value $430k loan $294k-ip2value $450k loan$394k.Income combined 1700 + 350+450. we have outlayed $ 60k towards next ip,which means will need to borrow about $475k . The income will be $600pw at least. So adding this all togeather ,why wont cba come to the party. Do Ineed to offload something?