HI All, My wife has just started her maternity leave, and looking at the budget I am looking at a means to maximise cash flow. Currently we have three investment properties totalling $2.04M, geared up around 76% - 82%. The reason for the gap is the LVR is dependent on if I max out two my (currently undrawn) lines of credits or not. I have around $100k in Australian Equities with $5k owing via a margin loan. The only other liabilities I have is a $20k credit card limit that gets repaid every month, and a $15k outstanding credit card with a current balance transfer 0% offer until September 2016. I have auto transfer each fortnight to chip away at this balance by the time the balance transfer expires. Effectively I have no non-deductible debt and now in a position to maximise cash holdings as much as possible. I dont have any reason to further obtain any more deductible debt, as the expenses I hold now effectively reduces my taxable income down to the $78k mark p.a. Now in terms of my net salary, 28% of it goes towards the "out-of-pocket" expenses for the three properties. Another 12% is directed to an offset account that looks after the rego/insurance for three cars my wife and I share. The remaining 60% is currently being saved in an offset account. Out of this 60% a portion gets withdrawn each month to reduce the credit card to be repaid each month, general living expenses etc. I have not included the $15k owing on the balance transfer credit card, as I have effectively placed excess cash I have on hand now to the three investment properties, and targeted that "28%" towards the balance transfer credit card. Each year I get around $15k back via tax return, and around $10k net bonus. Hopefully the above is easy to understand, now my questions are: How can I look at maximising cashflow even further. I'm not exactly sure how I can do this besides reducing my living expenses etc, but I live quite a frugal life already. What I am thinking is utilising one of my lines of credit to look after the weekly out of pocket expenses for the three investment properties, and possibly can claim interest back on that line of credit. Please ask me any further questions to help facilitate a better answer. Cheers.