Hi All, My partner and I are in our mid thirties, have a toddler and currently own two properties in the South/West Adelaide suburbs; our $480K 3b ppor (58% LVR) and a moiety title 1b unit (60% LVR). Home was purchased 7 months ago and the unit 3 years ago, it is currently tenanted by a friend who will likely die there. Currently we share caring duties and both work approx 20hrs a week, earning a combined income of almost $60k. Like our incomes, our Super savings are small, but we hope to use real estate as a retirement fund. Our current retirement aspirations are small because we spend very little (1 car, no credit cards, second hand clothing, etc) but I guess that could change if we build some momentum. We've got another bub coming and my partner will likely up her working hours slightly once the second, and final, bub is off the boob. In fact we'll probably adjust our working hours depending on our lending ability after a good chat with a savvy mortgage broker. For myself, pay increases will depend upon overtime however my partner may see some wage growth in the future. I haven't engaged a broker yet but in an ideal world we'd have a second investment property within 18 months. Something cheap, safe and high yield while the kids are still home with us. If I was buying today I'd have a good look at units by the water at O'Sullivan Beach, Christies Beach and Port Noarlunga. Anyways, thanks for reading my spill, and be sure to ask questions or provide some investment strategy advice. Cheers.