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I think he's just in one of "those" moods tonight.

*snigger* last year we upgraded from a $25k property without a proper bathroom to a $65k property with one (give or take a thick layer of blue paint). We've since renovated the dodgy bathroom though and it is very pretty now :D The stupid thing? The $500 we spent on the bathroom, in the eyes...

I've swapped houses over so the house that will be an IP is P&I and the house we are living in is IO and the fees are too high to make it worth changing. Just means the payments on the soon-to-be-IP are half interest, half payments. I wonder if I can depreciate anything to make up for it ...