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I guess that, like us, some do take 80% mortgage and and some don't... if you think that 100% of Toorak dwellers don't, is there a link to support that statement please? ... 20 years of rental income in each Werribee house would mean that all of those houses are fully paid-for, and the...

But it is not Toorak or Brighton :p One day, one day I will get enough savings / equity to live there. :rolleyes:

And the just smart simply go out and use the 100k salary + 300k savings to get several houses in several decent suburbs. :) Decent is all relative, of course. DeeHwa and you think that Toorak is decent because it offers boasting rights (and a crippling mortgage). I think Elwood is decent...

I think the constant use of 'hahaha' is considered babytalk. Not 'cheap'. Babies can't spell that well yet. :)