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my small view coz I dont use them that much anymore Pros OK with cash out Desktop vals many times Contract value for some times Negs Try an IO extn when you are beyond their weeny servicing capacity Mandatory Credit card when on their breakfree package Cobol ta rolf

one thing that is worth addressing is those great yields. some lenders will mark them down to more like 6 % as maxes, trying to weed out mining town income etc. can be overcome where you have dual income props ta rolf