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Returning to the OP, who is still doing 95%? Even better at Actuals. Or is it still to early to tell yet? Looking to do 630k including Costs with 60k down. 6% yield.

Agreed Investig8. Perhaps from here on in "aggressive accumulators" may have to go to 90% LVR to satisfy the banks?

Why waste your time reading this Forum then? Self made wealth is self made wealth. What does it matter how unimaginative the generation technique is? I find "scheme" such a dirty word. The end result, my money is still the same colour as any entrepreneur.