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Yep, agree with that. And, just for the record, I'm more an advocate of marginally cash flow positive and an LVR a bit above 50%. So long as I'm around neutral then I'm happy as I've maxed my exposure to the market. I'm not a big fan of getting my debt to zero ASAP as it seriously reduces...

+1 for respectfully disagree... In fact, this uber-conservative strategy is probably the best if you kick it hard early and get a few paid off IPs under your belt. The massive cash flow positive outcome means your portfolio is self-servicing and you can acquire more even when the bills roll...

Great work Nikolina, I actually think its a great strategy. Conservative, sure, but great. For those that still don't get it, consider it this way... Her first IP has 2 incomes servicing it. Hers and the tennants. That's a 2:1 ratio of incomes to indebted properties. Her second IP...