this is a question - I have a few ideas but I am looking for suggestions. One of my current goals is to pay down my PPOR in the next 5 years. I am about $400 a week short to meet this goal so I am looking at passive ways to create extra cash flow. I don't want to take on another job or do uber / airbnb and I have many projects outside of my current payg job that I am working on. These projects will create another income stream long term but are still in development at the moment. The simplest way I can think of is capitalising all running costs (including management and interest) on 5 IPs - this would get me close to the 20k mark tax free. Over the 5 year period I would be using up 100K equity debt - I can't see this as being an issue as my portfolio would have to be pretty rubbish to not grow more than this in one year (let alone 5 years). The interest on the debt would also be deductible. Any thoughts on this strategy or other cash flow strategies ?