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Having said all this, what *are* the alternatives to borrowing the money from a bank?

That's the thing; The job I've been in for 5 months already is only 12 hours per week. I've just learned the banks consider the income from that to account for all my "expenses", even though I live more frugally than that. :\ Oh I get you, sorry, yes I will be able to look at CBA in one month...

So my goal is basically to get an investment property, and continue to rent my own place, and to just let the IP sit on the back burner. Peace of mind that I have an assett under my belt. I have been working 3 casual jobs for about 4 months and starting to tear at the seams a bit. I am only...