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Just as an aside on the furniture thing, Elf. A mate of mine rents a holiday house down the coast. It was unfurnished. When he signed the lease, he sent an email to everyone he knew asking if there was furniture they didn't want. The offers came flooding back - including whole houses of stuff...

So, you're in a pretty deep hole and trying as hard as you can to dig it deeper? I'm in the 'flog one property and take some stress off' camp. What's the point of going deeper into debt on a punt? So you only end up with one waterfront property? At least you live to fight another day...