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Haha yup my bad :) I don't plan to realistically sell any of the property I hold, so LVR isn't relivant more so what I have in reserve in case required.

Shouldn't be investing in property if you need to sell fast, property isn't liquid. There are far too many factors. For me 90% is safe as I've got an approx 10% buffer in offest, and believe in the assest I've purchased. For someone else 90% is high risk and not safe. At what point...