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When you apply for a loan, the lender will perform some sort of valuation as part of their process. Often it's a simple drive-by or they'll run an automated 'desktop valuation'. Given you're looking at 90% or higher, the bank will likely want a valuer to inspect the property inside and out...

That would be the exact opposite of what you do. Ideally you should have separate loans for each property, secured only by that property. What you're proposing is about as bad as it gets. You'll loose all control over your finances and won't be able to clearly identify what money is for what...