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Market has ran, that's why.

Doesn't have to be the either of those extremes. Can be buying in the bottom of the market with some view that a recovery is imminent. Did that last year.

1. You've obviously missed the easy money in Sydney and Melbourne 2. Market has a bit more to run, especially Sydney I would've thought 3. However, there is a 30-40% chance you pay overpay now 4. There should be still steam left. Especially if there is one more rate cut, market will do...