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Probably the tenants can cancel the payment arrangement any time. One of my tenant did a runner and reversed the last “direct debit” through their bank!

3 x 150K - Renters can pay the rent even if they don't have a job. Risk is a bit spread. 3 x Rates and water bills. 3 x dealings. 1 x 450K - They is a chance of rental default if the renter looses their job. only one X Rates, water bills and dealings. In few years time (assuming your...