purchase Value 400k ish (300k loan +100K savings used for 20%+5%costs either equity release/debt recycling or use of cash deposit). Basically every time 100k saved, will be used as deposit to buy either @ 80 or 88% value depending on the deal. estimated rental 300/week Hope for CG, look for historical 7%+ locations. Gross rental yeild 4-5%. buy & hold Based on 175k single income for a PAYG contractor, Is this plan doable in changed Apra landscape? How long before serviceability wall reached based on 2 adult/2kids. I am thinking about 5 is the limit with this approach. The spreadsheet is a basic one, does not take in to account inflation, increased/stagnant/decreased property prices/income level, depreciation, tax benifits etc..