Been thinking and exploring options for my friend the last couple days He is father of 3 years old son, wife still taking time off from work (perhaps for another 2-3 years). Both of them have 5 IPs, total loan $1.4m where total val is $2.3m. Based the number provided is positive gearing, around 8%yield (banks still prefer 12%, before positive in their eyes) Offset saving level $200k, with monthly saving $1500. Hubby salary $65k per year Here is the problem, all properties under both name. His broker mention no serviceability until wife back to work.. So far my advice is to build buffer, which he showing good progress. But I maybe dont have sufficient knowledge to advice work around this issue. He still want to purchase more Any advice ?