Hi all, 2016 was a quiet year for me since hitting serviceability wall and leaving the rat race to setup a company in design and construction industry. We are low income couple (approx. 70k pa) with 2 kids. I haven't received any wage from the startup yet, but can start paying myself a little bit from this year. Our current portfolio is below. IP1: Sunshine VIC - current value 600k, loan 325k with CBA, rent $1,4k per month IP2: Essendon VIC - current value 700k, loan 500k with CBA, rent $2,2k per month IP3: Brunswick VIC - current value 800k, loan 620k with NAB, rent $2k per month IP4: Preston VIC - under JV and trust structure with 1/3 share - 24 townhouse development site - approx value 4.5M after DA, purchase price 3M and need 1M for settlement in Oct 2017. PPOR: Kensington VIC - current value 950k, loan 650k with Firstmac All above site is developable with 2-4 units and under personal names except IP4. We have some decent amount of cash buffer sitting on offset account for later development anyway. My goal is refinancing to release some equity for investing in our construction business that will build those development. We may sale some off plan unit to reduce debt if it brings back our borrowing capacity to fund the settlement of IP4. Is there any chance for topping up in this climate? As business is under 12 months, it may be hard to go through self employed route, but I can provide couple suitable payslips as employee. Any thought is greatly appreciated.