One thing that has intrigued me over the years is, how do those with large property portfolios, albeit ones that appear to be cash flow positive, seem to be able to continue to borrow, even when they don't appear to have a job? Another example of a Gen-Y, Rentvesting couple, with a large property portfolio that have continued to add properties in a relatively short period of time. The Gen Y couple from Sydney making $300,000 a year with 28 investment properties I've read the exploits of this couple before, congratulations to them both on their highly successful property journey. There would appear to be a combination of good luck (good equity growth in Sydney), identifying opportunities to buy out of favour unit blocks, buying in different areas, adding value and delving into commercial property acquisition, to produce what appears to be a cash-flow positive portfolio. (Yes, all good strategies and yes, they have started a property advisory company!). Along with others (e.g. Nathan Birch, Todd Hunter / whereGroup etc), they seem to be following a similar path. What has always intrigued me is how do they appear to be able to obtain the loan funds so readily and easily? I've noted from my own personal experience, working in a professional job, that the time and effort it takes to make loan applications, compile income / tax returns, asset / liability / income data etc, getting loans reviewed and approved, it takes time and effort. I consider that I keep meticulous records but always not that easy. Then you got to finalise the purchase of a new property, get it rented out, and then get some rental data - it all takes time. For this couple, appears 4 deals in 2017, 3 deals in 2016, 5 deals in 2014 etc - how are they able to move so quickly in terms of getting the financing? They must have excellent records! Thoughts?