Hello! Long time reader, first time poster. I'd like to invest in my first property this year and would like to gauge some advice from more seasoned property investors. My ultimate goal is to retire early (don't really want to be working into my 60s, currently 30) and be financially free, enjoy life and travel. I think I would like to get a CF positive, or neutrally geared, or slightly negative geared, but gain the NG tax benefits. Just a bit of background, I currently make a $90k salary, before tax, and I will be buying the property on my own (single female). I have saved up approx a bit less than $70k, but my parents are also willing to help out, so probably $100k in total. I'm starting to look into areas like Liverpool (Sydney), and Richmond (Melbourne), for 1-2 br units that are more aligned with my price range of $350-400kish. My dilemma is Liverpool can be a rough area (I live a few suburbs away) and according to some news reports, values are likely to drop this year and also bad tenants could be an issue. Richmond seems like a great gentrified area in Melb, and I think it will perform better in terms of capital growth over the long term compared to Liverpool. However I wouldn't have the first clue about investing in another state. It's quite daunting and I've heard many horror stories about bad property managers taking advantage of interstate clients. I'd just like some feedback about whether I am heading in the right direction with the areas I've chosen or whether you'd approach property investing differently in terms of my goals?