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Also with the proposed rental, ensure you verify the rental with a independent rental valuation and ensure you check the vacancy rate - and include that in the equation. Banks are cutting ind vals of apartments by 10% or so. Cheers, Ivan

Hi JK, Unless your accountant is licensed i'm not sure your accountant should be recommending property. For OTP, its imperative to to receive a independent valuation prior to purchase, banks are now varying their lending criteria for OTP and see a major oversupply which will impact your...