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I just settled on a property (4 weeks ago) without any cross collateralisation, 90% lend with 1.3% lmi on a full doc loan, amount borrowed over $600k... interest rate of 8.5% with a mainstream lender for a development block. It is not all doom and gloom in lending markets - a couple of...

I disagree, not because I have done any less transactions but because I think that it is more important to see the "results" from those transactions and if they were made over a couple of property cycles or in one go at buying 20 prop in a small town. I know a lot of what i would call seasoned...

See that is what's called a healthy, balanced and accomplished mind... I am one of the great believers in attitude and mindset and firmly believe that skill, tact and form are secondary to attitude in pursuit of happiness and wealth. You've got a great head on David. A great post. Cheers Harris