Thanks for your respond:

On your question:
1. I can't liquidate 8-11 as I bought this property at a value for the developers and is currently enjoying incentives for up to 5 years. Disposing them will nullify the incentives.
2. Property prices of 8-11 is rather stagnant and there is still no market yet for them. To liquidate, will have to drop prices and will result in losses.
3. I already found prospective tenants for 3 of those properties and the rental income is approx 10% higher than my month commitment.
Let me clarify a few issues:

1. Invested in a business ard 2009, and the dividends they pay me is approx 300k-600k/annum for the past 2years. I have no management control of the business, just one of the directors and receive dividends annually.

2. I just started working full time in late 2010 till now and hence drawing monthly income.

3. Started investing in properties way back in 2008, at that time getting 90% financing and 40-45 years tenure is way easier than now.

4. My prove of income to the banks are as follow:
(a) Annual Income Tax Filling
(b) Stamped Tenancy Agreement
© Employment Pay Slip
(d) Dividend statements from stocks

Note: If you are a premier/priority/priviledge member of banks, the margin they can allow is up to 130% of your commitment.
Current Situation:

1. Made a mistake by depending too much cash flow from my business.
2. I had this ridiculous ambition of having a property portfolio of tens of millions by 30, and yeah.... f***ed up real bad.

Path Forward:
1. I hope someone in this forum can advise on the options I have at this juncture and what are their pros and cons.
2. Someone with similar past experience to share their thoughts.

Greatly appreciate your valuable suggestions as I can't really share this with my family or friends.

Thanks again

About 80% FD in aussie. Earning 5.8% pay monthly. But recently reduce to 3.18% only.