Hi All, Hoping to get some opinions to start our investment journey. We are a 35yrs couples, both working full time. We have three houses as this stage (one PPOR and two IPs) all are in Victoria. My PPOR values at $1 mil ($500k mortgage) 1st investment house : $500k ($400k mortgage). rent $1500/month. P&I repayment: $1900/month 2nd investment house : $500k ($400k mortgage). rent $1500/month. P&I repayment: $1900/month All three with different banks as we borrow under owner occupier loans (lower interest) and pay P&I. We don't have any problems with repayments as rent cover all interests, so we just pay for principal. Now, we have $1.5 million worth of Bitcoin and planning to sell all them with cash. (we will sell directly to person to avoid tax) So, planing to pay off mortgage of my PPOS ($500K), then we will have $1 million cash and two investment properties with $800k mortgage. Total value is $2M with equity now is $1.2 mil and extra $1 million cash. So, we will plan to build a strong portfolio balance between cash flow and capital gain with two options as below? (please note we only buy house) 1. Create a trust family account then use $1million cash to buy 4 x investment properties (around $500k each) two in Brisbane with good cash flow and two in Victoria with good capital gain. Value will be $2M with approx $1.1M mortgate (included ~5% stamp duty) in trust and $2m under our personal name. Then take time to buy more and more. 2. Transfer two current investment properties into a trust account. Then buy another 4 x investments properties with good cash flow in Brisbane. So, only my PPOR under our name and our trust will have 6 properties, value $3M and mortgate $1.9M) 3. ATO may question how I can pay off my PPOR and buy a lot of properties in a year. So, we will slowly deposit into our loan then pay off all mortgage $1.3M. After that, sell two investment properties. We will have my PPOR worth $1M $1M in bank account after selling two investment properties and $200k cash Then we can start a strategy as option one above. OR, transfer title of two investment properties into trust and use their equity and positive cash flow (now, we are free of debt) to buy a couple of investment properties. I’m hoping some of the wise property investing minds out there might give me a bit of perspective on this situation? Thanks for reading!