Hi Guys, Just joined this forum this is my first post hope to get some help for my new adventure Advice sought from forum elders/successful/experienced investors on strategy Re: 10-year plan. Good with numbers little knowledge in finance and investment. Goal: Build an investment property portfolio base on capital growth in the next 10 years to generate passive income using our Equity and other assets. Currently Late 40s self-employed IT, married with kids Aiming for growing passive income. PPRO: Value 1.8m-1.9m LVR 25% Loan -$450k (IO Just finished) Repayments $4,577 pm P&I VAR 3.6% all incomes in offset account Equity: $1.4m Wife income 40k pa My Company net profit after Tax for 2018/19 is 240k (Depends which year we get big job, normally 50k-80k but increasing) Join Super 100k currently. PPRO CG Increase 5 years 600K Pre-Approved Loan, see below info, based on the my assets income above is that a good deal or I should go somewhere else to get a better deal? Pre-Approved loan $1,344,000 80% (bank valuation 1.7m) Owner occupied - 360k P&I @ 3.14% Owner occupied - 984k IO @ 3.85% + Investment Loan - $2,120,000 80% IO @ 3.80% Current personal thoughts re 10-year plan: Sell PPRO and Upgrade to bigger/newer PPRO same area (2.2-2.5m) if possible, keep existing PPRO as investment property has good CG for (not sure how to do it in terms of interest/TAX) OR Keep PPRO and buy IP buy 1-2 IP to start with in the same area if possible IP Buy Hold Rent for next 10 years or IP Buy Renovate Sell Build investment property portfolio using equity available in current properties. PPRO Loan Structure P&I (base 5-10 year plan) Personal Name or Trust? Register on both name or separate? LOC? Offset? Any other suggestions IP Loan Structure IO (base 5-10 year plan) Personal Name or Trust? Register on both name or separate? LOC? Offset? Any other suggestions Any ideas/thoughts welcomed?