Just converted my PPOR to an IP. Don't have an official valuation but from recent sales data in the neighboring the LVR will be a tad less than 80%. I want to buy another IP in the next 6 months or so. Due to lending restrictions I may have to buy as a PPOR (to get max LVR) and then change it to a IP a few months later. I lent quite a large sum to family and I've too much unsecured debt at the moment. They are slowly paying it back but it will be another 2 to 3 years before it's fully paid off. I have decent income but don't have much savings. I punched in the numbers in CBA borrowing calculator and it says I can borrow up to $269k but I am hoping for something in the $400k+ range. What are my options? Can I somehow show that the family loan is being paid back to me at a regular rate and that becomes part of my income or something?