Investment capital is money you can access now or within 12 months: equity you can draw from property with serviceability, cash on hand, and savings you'll generate. A $300k serviceability lets you extract that much equity to invest.
Investment capital is capital that's available right now, that you can know you can access. So for example, if you've got serviceability of $300 grand and you have equity sitting there in a property, for example, and you know you can go and get that equity out because you've got the serviceability to handle it, well, that's something you can access now-ish, right? So it's the equity that you may be able to access now, it's the cash that you have, and it's the savings that you can create over the next 12 months. It's the capital that you can access within this next 12 months— equity, savings, cash flow.
