Thanks for your reply Richard… This may sound dumb.. but how should i go about uncrossing the loan.. should i ask the bank to have that 20,000 under a loan of its self.. or should i just use that 20,000 and pay it off on my 630,000 loan and use personal money to renovate? or…………..?Thanks again

Jonesi274 some investors choose to take out a line of credit to pay for the shortfall that  they get from having NG properties, there for they are not restricted as to how many properties they can buy.. as long as properties go up. ( which as property investors we need to believe hehehe)

have you thought of renting out you PPOR and renting a bigger house in a suburb u want to live, this will give u extra tax benifits

Hey WattIf your after Negative properties, then I would recommend "property rich" by Melissa Opie and Stephen Zamykal, and also Michael Yardneys books are also good for NG inclined investors ( although sometimes he yaps on a bit)Steve's books are good but focus more on PCF properties.Just a thought

Thanks Everybody!