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In 10 years time, you may need more than 2 IP's to pay it off. On the other hand, You could move into it now, and enjoy it for the next 10 years with your family growing up. (and then as property appreciates, take equity out and start again)?? Depends how bad you want your dream place...

OK Ausprop, I will raise you. This one is just up the road (and around the corner) from me. http://www.millionplus.com.au/property/25-millgrove-place-buderim-236 In 2006, some guys bought the property, and demolished a very old workmans cottage that had 4 acres on the side of the hill...