Hi there, this is Linda. I am currently living in Sydney but buying properties in Sydney and Brisbane and I may choose properties in Melbourne in the near future. I focus on brand-new apartments and off-plan apartments only as I only need to pay 10% of the price when I sign the contract (and I have more time to prepare for my loan if I buy off-plan ones). And other costs like strata fees is more affordable to me. Brand-new apartments also helps me with negative gearing. Well, I know that buying apartments is a long-term investment but I do not want to wait too long. I need to see prospects of an area so I will choose the location of my properties carefully. I need tenants to pay the loan and interest for me. My plan is to buy several apartments with my own bank savings and loans from refinance. When I get older and do not want to work anymore, I would like to sell some of them to pay off the rest. In that way, I would be able to lead a comfy life with my rent. Hope to discuss any issues with you all here.