2-3 years ago there were lots of stories online of people amassing 10-20 properties within a few years by buying, possibly manufacturing equity or just getting some capital growth, using the equity to buy another property, etc. This includes several people on PC. It sounded like a lot still had plans to accumulate even more. Now that this is no longer possible due to stricter serviceability requirements, a lot of these people would be stuck. Are they just paying down loans and then accumulating more at a significantly slower pace as their serviceability allows? I imagine that these people would be significantly above the serviceability requirements and it would take a while to get back down to 6-8 DTI. Or are they approaching non-bank lenders?