Hi guys, Have been reading some stories on here of people who have managed to retire quite early and am looking to see if someone is able to point me in the right direction as to how my property investment journey can get me there a little quicker. Current situation is as follows: Partner and myself are 26 years old, currently living with parents but moving out soon One OO property being built, MV around $800k once done, debt will be approx $610k, IO loan One IP, MV around $1.2M, currently rented for $880 p/w and will jump up to $895 next year, debt is $1.052M, IO loan $150k in cash in offset for OO property Joint gross income of around $150k p/a Future plan/goals include: Move into $1.2M property as our OO, change current OO to IP. Have put the partner down as the title holder and will pay her out and have transfer proceeds go to reduce the $1.2 Mil debt. Probably happening in about 4 years. Ideally have $1.2M OO property paid off completely. Try and have $75k in after tax rental income in 10 years time. Would prefer to LOR rather than LOE. Not sure if the 10 year time frame is realistic, I don't need to be pulling a 6 figure cashflow positive rent as we are more than happy with $75k as our figure given that could potentially allow us to work part time, take on a less stressful job or at least have one of us take time off work while the other works full time. Will be interested to see what could be done here. Have been looking at euro73 posts around the whole NRAS thing which i did like however with the recent changes i think my ship has sailed. Only issue I have now is i might be just about to hit the serviceability wall and am thinking about buying another IP before we move out of home so as to make the process a little easier. Happy to hear what anyone thinks!