“It is extremely hard now with the budget changes, and I see this with upgraders too. The numbers don’t stack up to rentvest unless you have massive equity, high income to service the additional debt, or still live with parents. It is increasingly difficult to buy the home you want without selling first. For investment owners and upgraders, it’s getting harder to buy the home you want without selling first. In the past, with lower house prices and mortgages, people could accumulate stock. Now you need to leverage what you have to move forward, and most of the time when I run the numbers, the best option is to sell and upgrade to your dream home,” Ms Childs said.