Hello good people of PC. first post after several years reading along with PC/SS. What a great resource! I'm after others opinions as to how far you think I will get before serviceability will become a problem? Some details - Aged in mid 40's. No dependant. Self employed - low income of about $42K per year (taxable income) PPOR - I owe $113K with value at $180K 4bed IP - currently being renovated with expected value about $150K (conservative). I owe zero on this property and should rent about $220/week if I keep it? No other debt or commitments. I would like to buy aggressively over the next few years with an initial goal to achieve about 30k per year in clear income from rents. Obviously with my income being so low all properties will need to be comfortably in the positive. What I don't want to do is buy another 1 or 2 properties and have to stop due to serviceabilty as I expect might be the case. Am thinking I might sell the IP and spend a bit on the PPOR (about $40K) which will increase value to about $300K (confirmed by valuer) and set up a LOC of about $50K to help with deposit and reno's for IP's which will then be paid off by increasing the mortgage so it is ready to go for the next one (reading back even I am confused!!). So, what do you think? How far will I get? Am I dreaming? Please be brutally honest! I should add, I am looking more in regional areas due to the low buy in and higher yields. Appreciate your opinions very much.