Thanks to all SS & PC forum members for your valuable contribution. My serviceability is up to $600k, paid of PPOR and have savings close to $150K. Invested in shares up to $50K I have 2 units in Geelong, looking for my IP#3 here is the plan. Which one you think is best pick. #1 Price Range $250k to $300k Melton, Ballarat, Geelong - Unit / House with sub-division potential #2 Price Range $300k to $400K Werribee, Hoppers Crossing, Sunshine West, St Albans, Deer Park (0ld) - House with sub-division potential #3 Price Range $400k to $600K Braybrook or Maidstone - Unit / House with sub-division potential I am thinking of going with option #1 or #2 at the moment to diversify even if I find a block with sub-division potential to build units, I don't think I will develop in a year’s time ideally like to increase my savings and when I saved up to 50% of the development cost I will consider developing.