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It's subjective and based on your circumstances. All of my properties are positively geared and then a bit so $10k each is sufficient for me. Putting that money in an offset account is a neat way to slightly lower repayments while having immediate access.

Positive gearing from day dot means serviceability isn't a problem. Inflation and growth causes your equity to increase. Never selling maximises the effects of both. I would never suggest being so close to the edge that a decline (of the size seen in the last 25 years) in value or return...