My name is peta and i live in a PPOR (SUD) in sydneys north west with our two kiddies and a cat. My hubby and i bought this ppor in 2010 but i owned two IPs prior to that - a unit on the water at meadowbank (bought in 2006) and a 4-2-2 in bathurst (2009) which i converted into a 6-2-2 with a third living area. It was rented on a rooming basis very successfully until earlier this year when things slowed right down due to a purpose built uni accomm accross the road and several new housing estates. Its just a standard rental now. i am not missing the gas and electricity bills each year lol! Both are doing well. We just refinanced all loans for the first time to draw out equity and get lower interest rates. We are now ready to look at IP 3 and 4. So excited! Thinking brissy first then maybe melbourne???? So keen to read all your posts and learn from your experiences. Thank you!!