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We're all different. Whats easy for one person maybe hard for another and vice versa. Personally I dont have any problems filling in my 225 days (7.5 months) a year not working. :)

Yes,,,,thats why my target is sub 50 LVR and approx 10 x annual lifestyle costs already available sitting in LOC's.

Locko, the only thing that inhibits us is our thinking.

Westpac I used. More info on the CB link.

Jason have a play with the LOE calculators. You can plug in some number scenarios for yourself to provide a better understanding. Im not planning on selling so no CGT, selling costs but more importantly no lost future income and growth which is the main aim for purchasing in the first instance...

There is no one superior strategy....there is lots of strategies. Its up to the individual person to decide which is the one or ones for them to use. We are all different just like all strategies are different. Which one you choose ultimately revolves around ones personal risk profile.

Why pay income tax (of up to nearly half) of the rental income when you only have pay say <10% to the bank instead in interest?

Whats would happen if you give them all the necessary ingredients including income when they ask?

How do you know the bank wont let you access your equity? If you meet their lending DSR & LVR requirements why wouldnt they let you? Seems like your issue isnt they wont let you access it, rather, you dont know how you are going to meet their lending module. Could you research more down that...

I dont think you realise the magnitude of growth thats been sustained across Perth, and particularly more in some suburbs, in the last decade +.

With a value of $1.4 (top end market) and the current state of that market I'd say its already attained its correction .

Yes, providing I show my lenders the income level they need to see for the top up amounts I require. It's a matter finding out what they need to see then providing it to them. I will continue to trade my time for money until we reach our required portfolio/equity base level to sustain our ideal...

Work 3 days weekl and manufacture the remainder of income required to meet DSR from rental & existing portfolio equity.

Im sure they are real for him otherwise he wouldnt be making the comment. His way of accessing income from his portfolio is different to mine. My experience with drawing LOE funds aka Navra style suggests otherwise. My lenders are still providing me funds because I jump the DSR & LVR hoops...

Strange how my LOE strategy is still providing finance then. What area did you buy in and is it considered an affluent suburb (top end) or middleclass Joe Average suburb? From your stats given my guess is top end where there is less people who can afford and/or rent compared to middle class...

Locko,,,,,,no right or wrong ways.....just use what plan works for you.

That's because bank employees are simply bank employees fitting round pegs into round holes as per bank policy. They too are simply wage slaves, that what they're taught and get paid to do. Its what the masses are programed & conditioned to think . What was the median house price back in 1999...

You dont seem to have factored in the exponential rental incomes into the equations? You seem to be stuck on bad debt..yes the interest payments on lifestyle are not tax deductible..what would happen if you funded your lifestyle costs from rental component and capitalised portfolio expensive...

Correct interest on drawings for personal use is not tax deductible. This seems to be an issue for you -why? Have you misinterpreted cash bond structuring? How do you mean?

As you know property CG can go up, down and sideways for a few years at a time. Its not a stead upward trend each year after year. Because of this and my personal risk profile, that's the buffer I require to make sure I always will have years of unused funds available to me, and allow time to...