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Nope - it would just reduce your borrowing capacity :-( Cheers Jamie

Enjoy it - my 8 year old doesn't think I'm cool anymore. Probably doesn't help when I'm pleading her to hug me when I drop her off for school.

Depends on the lender - a simple letter from the folks usually mitigates this. Cheers Jamie

Technically yeah - if they're only CF+ by a little bit. They'd have to be CF+ by quite a bit to assist in your overall servicing (because lenders take into account 80% of gross rent). However - lenders are also starting to move towards capping the yield they allow for servicing too...

Agree 100% There's lots of other quirks to consider when looking at servicing that are lender specific. For instance, AMP won't touch you when your portfolio grows above 10 properties. Before you reach that point - they will take 100% of rental income when the LVR for the purchase is at...

Usually even more than that when you factor in the loss of income when one parent stops working full time (not always the case but isn't uncommon). But kids (for the most part) are pretty awesome. Cheers Jamie

Generally around $300 p.m for each dependent. However - the biggest hit to serviceability usually comes from a drop in income. Cheers Jamie