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Hopefully Keith doesn't mind my tinkering with his spreadsheet :) I've added a parameter to specifiy the growth in rents separately, which I've defaulted to 5% growth. Change it to whatever you like. Enjoy. :)

Keith, first, terrific thread! Just noticed that Column "L" has an error, it should also add column "I", the share loan. Also, the overall LVR (column M) fails to also take into account the share loan. cheers.