Hi Guys, I am at a crossroad in my journey. I have held my first IP for 2 years now (Toowoomba) with Offset account - split loan, we are on one income with 3 children in primary school and 1 at home with my wife. I want to buy our 2nd IP but confused on how to go about it. Should I: 1. Wait until my wife goes back to work, so that the banks will see that we can service the loan, or 2. Use the equity from IP to borrow for deposit, or 3. Renovate IP at current stage until wife goes to work and then borrow to purchase 2nd IP. I would like to hear some feed back. Thanks, Ryan.