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I'm starting to agree with you, 80% is slowly creeping above my SANF. Or, I should say, my SANF is slowly creeping below 80%.

I think this is quite a valid concern, especially in such uncertain times. A few things work for me: Overall LVR at or below 80% Double income no kids (but this will be offset by paid maternity leave when the time comes) Total monthly loss on 4 property portfolio (including PPOR) is...