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Agreed. An IO with offset is a very flexible setup which is useful for PPOR and IPs. Be careful with cross-contamination, though.

A common question. Given that IP interest is deductible and PPOR interest is not, it would make sense to always go IO on the IP loan. When the 5 year IO period finishes, just refinance into another IO loan, and you can probably get some equity out at the same time. Basically, it's better to...