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Bman - Net yield calculation excludes interest costs. It only takes into account the cost of running the property itself.

i think my block of land is used as security for the house so is this cross collateral? is this a bad thing? Yes it is cross collateralisation but that's not always a bad thing. Depends on whether it helps you afford something you normally couldn't. However I do try to avoid it if you can...

I don't agree with this. It is always about location, location, location. Always has been, always will be.

I don't really agree with the strategy of buying (small) properties in many different states just to save a bit of land tax.