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skater: Nice, very nice post. willair: In terms of capital gains being accepted as serviceability: The bank manager of my most recent lender said that if I sold a place, the capital gains would likely be deducted from my tax return when calculating serviceability because it would be a one...

TMNT, My strategy is to develop, creating equity and positive cashflow relative to the size of the project. As my equity and serviceability grows, so do the size of the projects. This is exponential. Deltaberry, Without knowing how taxation plays into your strategy, do banks take your...

I've never used capital growth as a part of my strategy and I'm honest when I ask, do people still think that is a viable method, moving forward from today? He asks, hopefully not hijacking the thread...

Fair call Dazz. If you had spare cash, would invest it in either of these ways?

If you had zero leverage, that means you didn't use any OTP, essentially paying cash for an asset and it still isn't CF+, you need to get out of this game right now.

However if the neighbour was a relative of yours and also a handyman, that might not be the case. That's why investing can allow certain people to flourish with a particular set of circumstances. It's about finding what are the ideal circumstances that pertain to you and capitalising on them.

No, you're not delusional. If you have capital, you can convert a negative cashflow property into a positive one by paying down, or offsetting, your loan. Arguably, the definition is that outgoings are less than incomings and investors can use their skills to modify both. Someone could further...