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Great points Robbo2621. Speak to your BA - by definitiona they are on your side.

Some say that a good BA would prove his/her worth more in a "hot market" than in a flat one... Also, since there are many markets out there at different stages of the property cycle, a BA should be able to recommend / locate properties in different areas. Unless a particular street or suburb...

I would argue that a good BA can greatly accelerate jmillar's learning curve and help him/her to avoid potentially costly mistakes, which have the real potential to seriously erode the capital base and future earnings / CG potential.