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Give yourself a 20% buffer, staying well within your safety net, and once you've finished you're first one relish in the knowledge that you know infinitely more than you did previously. They only get easier, and that is a scientific fact.

Kookie, I also started at 24 on $30k and the best way I see to move forward is to develop. Create equity, create positive cashflow. If you do this with every move you make, you will never run out of equity to borrow against and your serviceability will only increase, meaning the amount you...