Hi all, Wanted suggestions/guidance in relation to my current scenario. Current PPOR. 2 br villa unit in Murrumbeena, VIC. Renting a room out too. Last valued by NAB at 530k 6 months ago when I refinanced for a better rate - currently on 4.38% interest only payments. 424k owing and 21k in offset. Another 10k in managed funds. Looking to purchase first IP. A prop with a land component would be ideal. Interstate might be the go and if so will probably need a BA. Brisbane seems to have potential upside but pockets of Melbourne seem attractive. Melbourne is more a familiarity thing though. 1) Need to raise more equity. Obtained a desktop val from ING a couple of weeks ago which came in at 550k - 4.29% interest only. Unsure about ING. I'm wary about getting the structure of one's loans correct prior to purchasing IP(s) so what are people's thoughts on ING? 2) Looking to do a kitchen reno early August using some offset funds which I think should add value. Would it be best to seek a further val from ING or another institution after this is done then commit to a refi and purchase an IP? 3) Based on my income, I figure I would have capacity to borrow for a property worth about 350k-400k on 90% LVR (assuming I can use the equity release and some other funds to come up with a deposit and purchase costs etc). A property with development potential or cg potential that can be rented out easily would be ideal. Any suggestions of suburbs in Vic or Qld that may be of interest in that price bracket? I understand I may need to consider slightly higher LVR. 5) Any suggestions on avoiding LMI? My understanding is that certain professions may be exempt via certain loan products. A guarantor is not an option unfortunately. 4) Any recommendations for BAs in QLD or VIC who conduct business in the suburbs within that price bracket? 5) Lastly, any suggestions for a good accountant seeing that it is tax time? I know this is a lot to put out there. Apologies in advance if it is all a bit convoluted. PS: I suffer from analysis paralysis.