Hi, I have PPOR + 4 vacant lands I am planning to start construction on all 4 lands. I have enough equity in lands+ cash in my ppor offset to fund 20% for all 4 constructions. So no problem there. The problem is - I have hit serviceability limit after funding 2 construction. I am told that I can get rental valuation from local real estate agent and show that as future rental income to bank to meet serviceability requirement. My question is - Do banks count future rental income towards serviceability and approve construction loans? (Assuming I have enough equity for 20% deposit.) Another question is: Since actual income will start only after construction is completed and property is rented out successfully. Do I need 20% + 10-15k (interest paid during construction and till the property is rented out)? Logically it seems so. How can I know how much equity I need to fund initial deposit + serviceability during construction? Thanks for helping out.