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Couldn't have said it better myself :)

I see your point, but I'd rather have a $5.6. portfolio and a 90% LVR than a $2m portfolio with a 60% LVR. The game I play involves controlling the assets, not owning them. Let the bank own them. By controlling them, I get to keep all the future CG. Of course, those who play the cash flow...

4 years? What took him so long? Haven't had a chance to read it yet, I'll check it out.