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I borrowed 106% of the IP purchase price secured against my PPOR.. ie 100% of the IP puchase price + 5% to cover the puchasing costs & legals + 1% as excess funds to use as a piggy bank. This covered any unexpected repair/Maintenance or if I was taking vacant possession covered the vacancy...

Im with you doozer. The whole point for me to build a large property portfolio was to replace my income but also just as important to provide me more time in order to enjoy my passive income and spend it on the ones closest to me....IMHO self managing defeats my purpose for investing in the...