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Oh yeah... Doh! :D The 30k equity still has to come out as a loan. Cheers, The Y-man

Can it be done repeatedly: Yes. Limitations: 1. in the above example, there is a need to be able to service 70k + 99.5k = $169.5k loan per property 2. works in rising market. Not good if the value stagnates or falls after locking in contract Note: Pretty much works the same...