Hi All, Just joined as we looking to buy our 1st IP. Love this site, whole wealth of information. Little background and would love to get peoples input. Built project home and moved in Dec '12'. Original loan amount was $550K and now owe $510K. We are in the process of refinancing to remove my dad who was guarantor on the loan. Bank valuation came back at $730K. So would now like to use some money to completely finish off all our landscaping. ( i know 3 years later & still not done).... And hopefully use some equity to buy our 1st IP. If any one has some advice, would love to hear it Thanks...Look forward to reading alot more on these forums Adam.