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Everyones goals are different, but serviceability in it's current state should not be the limiting factor. IE never need to erode your wealth on cashbonds

That's sorta my point - think about what you're doing and dont just buy stuff because it sounds cool or use pot luck. Have a deliberate purpose / direction.

I find it incredibly hard to believe that you (or most people) could hit DSR wall. I'm on a meager income at the moment and DSR seems endless based on choosing lenders in the right order and choosing properties which don't cost too much to hold.