Hi guys, Recently stumbled across this forum a few weeks ago, thought i would introduce myself - my name is Dave. I hope someone maybe able to assist and provide advice from their personal experiences. I'm currently in the process of getting married end of next year, and also purchasing a home. Between now and Nov next year i was hoping to purchase something as an investment until we are ready to move in. After going backwards and forwards trying to find the best option for our future, i have turned to you guys! My future wife lives in the Ryde area, whilst I'm in Baulkham Hills. We would love to move closer to town, but budget does not allow for this. Ideally want to PP to be $800K (less is always better) but as the market is these days - we may need to stretch given this day and age. Ideally 2x2x2 is all we would need as newly weds & ideally she doesn't want to be too far out from her family. Option 1) High spec tri level townhouse in Northmead 3x2x2 (i would say on the larger side for a townhouse - close to 300sqm livable space) that doesn't require a cent to it. Strata is around mid $500's pq. PP will be around the $800-850K. (Convenient to hop onto M2 to go to city for work) Option 2) An older 40-50yr old home around Winston hills. House is on a big block close the 700sqm, Price guide is $830K - auction may pushup to $900K. but the house is run down, and will require about $100K to bring back to life. (I will most likely struggle a bit with this option) (Convenient to hop onto M2 to go to city for work) Option 3) Move out further, to the newer areas like Schofields/Riverstone/Boxhill to a new home for around $750K for a 350sqm and a project built home. (Not very convenient to work in the city) Option 4) A friend is in a similar boat, so a suggestion was made to buy a DA around the hills area - build a duplex and we keep one each. I know this is easier said than done, but at least the duplex will be completed to our desired finish & will be brand new. But we arent builders - he is a tradie on the other hand. I should probably advise i work in banking, and can borrow upto 90% without paying LMI, even though 20% + stamp duty is readily available. I guess my thoughts are do i aim for a property with some higher growth like a home? or do i look at something ready to go and move in. I love the Northmead townhouse idea as it ticks all other boxes, but i don't see it growing as much as the other options. Thanks in advance!