I'm almost 6 years into the game and have been previously reluctant to put it all out there, but here goes. I am looking for feedback for my next move. Here's what I've done so far (all buy and hold houses): Kingswood NSW. Purchased 2009. Sold 2015. Bought with rezoning in mind. Kingston QLD. Purchased 2010. Bought for proximity to station, but should have been more selective. Logan Central QLD. Purchased 2010. Bought for proximity to shopping centre, but should have been more selective. Blacktown NSW (dual-occupancy). Purchased 2011. Cash flow play. Mile End SA. Purchased 2014. Bought due to relatively high yield for inner city. CG/cash flow play. Meadowbrook QLD. Purchased 2015. Bought with rezoning in mind. I did well out of the Kingswood property, but the timing was not great with Kingston and Logan Central and I'm in the red here before even thinking about selling/buying costs. Blacktown has risen with the Sydney tide. Too soon to tell for the others. What's worked for me has been properties bought with future rezoning in mind, but unfortunately, only one of my current houses fits this category (my most recent purchase). I have about $400k cash. Just before the recent APRA changes, I had borrowing capacity for 2 more $450k houses and 1 more $300k house. I've since bought Meadowbrook for $320k. So my issue is more the serviceability ceiling rather than the deposit. How best can I delay me hitting this ceiling?