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Merits in all methods. All that matters is buying well.

LOE is such a risky strategy. I've never refinanced anything in my life except once to do the killer deal of a lifetime. That's kept me LVR well below 50% in these kinds of markets and with rent growth and inflation, good cashflow in due course.

5 and a half

Function of salary, LVR, choosing right pockets etc. Could be done in 3-4 years or 15 years