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investment mainly for tax benefit by nature tends to be a loss making situation, but not always. A debt recycle strategy suitable to the posters risk profile combined with a neg gearing strategy may help to close off the personal debt more quickly. in the end though, almost all IP...

if you are going to buy an owner occ then id be looking to convert the investment loan to IO asap, and channel all my cash toward reducing my new owner occ loan. Id also be looking at some form of debt recycling so you can pay the home loan off a bit more quickly ta rolf