Hi all, first for all i've just recently bought my first ip and i'm ready to buy my next ip 2. but now that i've realised the banks are most likely going to be looking at repayments at 7-7.5% p&i after i purchase 1-4 properties i'll be stuck. what should i do? guys that reno and then pull equity will also become stuck i'd imagine, I feel like these strategies will not work anymore? reno and pull equity buy below market value and pull equity i don't really want to do developing as i'm not interested in it. but it seems i can't get my head around what to do now as after a couple more purchases i'll be stuck and will have to wait 2-7 years before i could afford to go again. even if i had access to unlimited 20% deposits. also now that this has happened should i be looking to get loans with P&I straight up and not IO as it wont really make any difference with the lenders when it comes to serviceability? the only strategies i can think of to be able to make money is developing buying PPOR reno and then sell and make tax free profit. JV buy property in friends name. buy 20% below market value and share profit with friend. backed by a caveat this way finance is in there name and will not effect my serviceability. any ideas on how to continue to grow a large portfolio?