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Obviously someone in HotRod's position with that kind of debt level has a contingency plan for these kind of situations. You don't get into a position of $5m+ debt and not be experienced with what happened in 1980s/1990s recession and have some extra cash in place for that.

This isn't one of those 'my weenie is bigger than yours' contests is it?

I think LVR has a higher correlation to interest rate sensitivity than debt level per se.