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That was for IPs held, not unencumbered ones. I think there would be the smallest fraction of a percent of people with 3+ IPs totally paid off, though I haven't seen data on that.

We could all say the same. Realise that you're about to join the top 1% of Australians by owning 3+ investment properties. And most of your counterparts are just entering the workforce, where they'll remain--out of necessity, not choice--for the next half a century.

Just for some perspective. *grandpa voice* When I was your age, I didn't own any property.