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it's up to your bank as to whether you subdivide first. generally, subdividing creates further equity so it helps your case. you don't have to, though. it doesn't matter if something is built 100 years ago or yesterday, build strata is always an option if you're looking to subdivide. but...

it's very spec dependent. a simple design, hip roof, 28c ceilings, carports will be much cheaper than all individuals, skillions / flat roofs, 32c ceilings and enclosed garages with foyer access. the difference can be as much as 20%.

6 is about right for a multiple dwelling, but you could go as high as 8x if youwanted all one bedders, or 4x if you wanted all three bedders, maybe squish a 1 bed in there somewhere if possible. surprisingly, three bed apts are actually in decent demand. you could do a rear battleaxe with no...