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You need to read his posts more carefully. Despite Landlubber's very impressive residential portfolio (+20 residential properties with a LVR of ~ 50%) he stated very recently that he does in fact L.O.E (Equity).....not L.O.G (Growth). Misnomers and labels seem to reign supreme here in this...

Spot on Peter. Retirement cannot be reliable if you hand control over to some lending officer from a Bank. One micro change in their lending policy and bam, there goes your entire stability and strategy. We ain't talking about some mickey mouse little hiccup.....this is your entire life...