Hi everyone, I'm in a quandary and wanted your thoughts please. My wife and I currently have 3 IPs. We are also currently going through the process of buying our 4th. There is a 5th one in our early stages as well but I'm waiting on finance for it, and it's this one I'm in need of advice for. In order to help me I guess I need to give you a bit more info. My end game: I'd like to have all 5 properties paid off asap leaving me with an income of $115k per year. We currently have 2 capital investments and one cash return. The two we are in the process of purchasing are both cash return investments. We have savings of $135k in offset accounts. My dilemma: I'm waiting on finance to be approved for IP number 5. I've requested LVR of 90%, which I've done for the other IPs preferring to keep my savings in the offset account to keep repayments low. Due to the nature of the build, I'd be very lucky to get that deal. It's more likely they are going to come back and say no mortgage insurance, LVR 70%. This will take a fair chunk of our savings out of the offset, leaving us close to $50k, restricting any further purchase for the future. I'm simply not used to putting down such a large deposit. Honestly, it scares me. The property is a great little cash cow of 13% return so it would certainly help us get to our end goal of paying off the other IPs quicker. I know by putting 30% deposit down means no LMI, and less to pay off etc etc, but investment advice I've had in the past has been to use capital in other IPs for deposit, not your savings. I've done this already, taking some capital out of IP 1 to finance IP 2. There is more capital there, but I'd rather leave it there, and my IP 3 capital investment is still young, so can't draw on that. As a result, if I want to keep moving forward, I'm having to look to use my savings. Part of me sees it as taking a couple of steps back to be able to move forward faster. I'm not sure if I'm looking at this correctly, strategically speaking, so would love your thoughts and suggestions please. Many thanks in advance.