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Dazz, Don't worry, I hear you loud and clear. There's a nice big margin in this for me, but the effort to realise it is enormous. Not sure I'll do this ground up full construction thing again. I might look at easier value add opportunities like simple renos or splitter blocks or duplexes...

All mine with one lender and its starting to get a bit sticky... Still trying to finalise my finance for the Mona Vale build. Had pre-approval a year ago on a resi rate to mid 80's LVR. Now they're talking a Commercial 8.69% rate to a max 60% lend. At 60% lend that means only $1.1M for my...