I recently tried to borrow more money for another property. I was even willing to buy a PPOR and rent out the current house we live in. CommBank did the numbers and said I had the equity but not the serviceability. I was keen to continue buying property to try and build my portfolio and therefore have some confidence that I could lower the hours I put into my paid job. Here are my numbers, anyone know a scenario or lender that could get me buying again. Is it just a matter of needing to have a higher paying job or getting more rent for me to borrow again? Current debt: 1.35 million on investment properties- (worth about 1.85 in total) 460,000 owed on current PPOR (worth approx 64000) plus I have 270,000 in offset. Rent in total is 1,670 a week ( but could easily add $150-200 more because one house has a granny flat that is not rented yet) Our total income is about $145,000 combined and we have two kids and no credit cards. There is obviously the rent of our current house - $600 a week to add if we then purchased another PPOR- I am pretty sure I can pull another $60,000 equity out of the investment properties if needed. Am I dreaming that I can continue to borrow? Should I stop even thinking about it? Or is there a scenario that can get me there?