Hi Everyone! As the title says, I've got so many questions about property investing and kind of don't know where to start! I've spent the last month or so reading a lot, and have read many of @Terry_w 's posts on laws etc. I normally wouldn't bother other folks with my questions, but everyone here was so helpful to the guy with 3.1mn cash, so I hoped I might get some advice too Although I don't have 3.1 mn cash - yet Here's my current situation: My husband and I have no dependants. We're 32, and due to starting our careers late, our only assets/debt are: ~200k cash ~200k equity in ppor ~600k loan against the ppor [am I doing the math right? ppor purchase price was ~700k, currently worth, very very conservatively, 800k], no LMI ~30k super (him; I am a self-employed writer with no super) Our incomes are ~100k (him) and ~200k (me) Our goals at this stage are to grow our wealth, and I'd also like to get some CF if possible. We're thinking of having kids, and having parents stay with us a few months of the year, so would ultimately like a bigger ppor. Maternity leave would not affect my income much, I think (most of it is from royalties from things I've written in the past). I know I should get some insurance, so first question is, who do I go to for insurance? Life, disability, income protection - am I missing something? Of course, once I start investing in property I guess I would need landlord's insurance? My husband is starting to come round to the idea of renting a residence (we have no kids, and while I currently work from home, I'm not sure how I'll do that with kids, so might have to rent an office down the line anyway). So our first step would be to rent out the ppor, and start claiming depreciation and interest against it? I'm unsure as to our borrowing capacity, but I think we can get another 600 - 900k in loans? (I suppose this should be my second question) My husband has no interest in using his super to invest in real estate, and I agree with him that it's best to be a little bit diversified. At some point down the line, we might like to buy a ppor to reside in for the stability - but I'm flexible on this one. I keep hearing that I should put some money in super, but I'm not convinced about the benefits of putting in money that I won't be able to touch for another 40 years; a cash buffer seems more important to me at the moment, rather than asset protection/tax benefits. I guess my basic question is, what do I do?! Where do I start? Does anyone have recommendations for property lawyers/accountants in Victoria? Given our relatively young age and lack of dependants, how much should we gear up? My husband's job is incredibly stable, but I have massive (hopefully, probably, unnecessary) self-doubt regarding my own income. We currently own the ppor jointly - should we do a spousal transfer so that it's only in my/his name, and then purchase our IP's seperately? Our leave the ppor joint and purchase IP's individually? Or just do everything joint? He is not in a professional position to be sued, and my work doesn't incur expenses so hopefully there's no risk of bankruptcy/litigation. My husband is extremely risk averse, so I am not interested in NRAS or developments. We'd be looking for buy and hold properties; I'm aiming for good CG (researched my suburbs already due to excess enthusiasm ) with a decent 4%-ish rental yield.