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She was bald too? :)

I see they've already caused you to pull your hair out :p

They don't, thats why rental income is assessed at the rate it is because they assume rental expenses exist. Exactly the same as Redom's explanation on positive situations, about 5 posts up.

Aww only a couple of mine are over that :(

That's different with each lender. Perhaps its worth adding a section to the original post about this?

Reason #357 , $50k serviceability each!