Hi folks, Can I pick your brains for your learned opinions for a moment? I'm 43 and single with grown up kids. I have been out of the housing market for 10 years now due to divorce and starting from scratch paying down all those left over debts and building a new career. I'm now at a stage where I really need to start taking some risks to get some assets behind me as I move towards retirement. Income - I'm currently in an emergency services job on $80k/annum which increases about $3-4k a year. Expenses - Average. I'm currently a renter as the inner city area where I like to live is well out of my purchasing range. Assets - I've had bit of a change of fortune recently and I am now the sole trustee and beneficiary of a property investment trust that owns a $750k inner city unit outright. I also have $215k in super but no genuine savings. Liabilities - I have a $17k personal loan which I intend to roll into any home loan. I've started looking at using some of the 100% equity in my property trust as security against a property loan of around $500k (Maybe even two separate property loans eventually if possible.) My conundrum is where is best to then apply this debt funding once approved? On one hand there's an absolute heap of online spruikers and professional investor sites telling me to buy things like new build duplexes or granny flatted properties in cheap city fringe areas with lower socio-economic profiles (eg. outer western and southern suburbs.) Basically aiming for properties with higher cash flows and I'm assuming limited capital growth. I'm fairly cynical and wary of all the accompanying marketing that seems to be pushing these "high cash flow" strategies though. BTW - I'm realistically limited in my current ability to renovate or value add to any rundown older property due to my full time job. The other option is to buy an inner CBD apartment in Brisbane CBD or Southbank and either A) rent it out normally long term or, B) have a crack at setting it up as an AirBnb. I have a friend who has a couple of apartments on the Gold Coast and at Southbank who has 95% occupancy on her units and is telling me to give it a crack. If you have a moment, would anyone care to give me their opinion on what they would choose and why? Many many thanks for your time!