Hi all, just after a bit of advice & feeling a little stuck in my property journey. When all was going well in the Adelaide property market and it was easier to get finance I accumulated IPs. Sold a few that were sucking me dry and not performing and bought a house in a nicer area. Anyway, atm I have 5 properties. 3 are houses, 1 maisonette & 1 unit. I pay for these myself and we keep our money separate so won't include my partner's 2 properties. We have a 19 month old son so I now only work 2 days/week and sometimes pick up an extra shift. My goal has always been to buy, renovate & sell houses for income and keep the ones I have for retirement but not sure renovating & selling is feasible anymore! The banks won't lend me any more money because my income is lower now but even when I was working more they wouldn't because obviously the serviceability isn't there! I guess my questions are is my financial situation really crap to an outsider (see below) and are there business loans to enable me to fulfill my goals. Maybe I read too many success stories but how do these people with little money manage to start their businesses renovating/developing properties? Total debt - $1,910,000 Value - $2,325,000 Net equity - $415,000 Total rent - $1,955 per week Total net expenses - $22,000 Tax refund last year - $9213 (will be less this year though) Thanks all!