The Moment Your Portfolio Stalls (And What To Do Next)

Tom is 22, serving in the Australian Army, and already holds two investment properties. But now he has hit a common wall for young investors: borrowing capacity.In this follow-up episode of the Defence Property Podcast, we unpack what happens next when you are capped by the banks. Do you sell and restructure? Buy in a trust? Wait for growth? Or change careers to increase income?We break down the real options available to Defence members when scaling a portfolio becomes harder than buying the first two properties.In this episode:•What to do when your borrowing capacity is maxed•Selling one property to buy in a trust structure•Why choosing the right broker early matters•The role of career income in portfolio growth•When a self-managed super fund could make sense•Why having a clear long-term plan changes everythingTom also shares why he is considering a career change to accelerate income, and how that decision ties directly into building a larger portfolio over the next 10 to 15 years.If you are serving in Defence and wondering how to move from property two to property three, this episode outlines the strategic thinking required.To discuss your own situation, reach out to Discover Buyers Agency via our website or social channels.