Hi guys, I've just arrived love this site very informative . I'm kind of hit a wall at the moment with servicing , I have 3 properties one being an vacant block and the other 2 a unit in parramatta and a house with granny flat in Penrith. All 3 loans are with cba . My borrowing capacity is $125,000 The advice I was given was that my next two properties should be double digit yielded to increase my borrowing capacity . Can somebody explain to me the ratio between income increases relative to borrowing captivity increase ?? What I calculated with two high yielding properties was around an extra 7k per year . At the moment my portfolio before tax is costing me $100 a week.