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well it use to be but i notice that since the gfc they do call it lumpy income, as you say. probably because cap gains are getting harder to generate that even the banks dont believe it can be done. and if you mention the word 'developer' you are shown the door anyway. (i have just surrendered a...

asset values are a lot more likely to be here tomorrow than a job tho. Borrowing against capital at the right LVRs should be pretty straight forward

income is treated differently by the ATO tho - regular caap gains that are not realised caan be income that is not taxable if you run a restaurant tho and a re just stuffing cash under the tablecloths then you have a problem.