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year 7 she can have 3 IPS with 0 VR and a POR year 7 your strategy would equal 3 IPs @ 60% LVR or 4 IPs @ 80% LVR ? year 10 she would have 5 IP's 0 LVR (and PPOR) year 10 your strategy would have 5 IP's at probably 60% LVR again - lets say 50% ?

Not arguing with you guys (bill / bayview) But at the same time, when one has an almost unacanny ability to actually beat the clock - 5yrs to pay off a house, I think that is why Nikolina's strategy might actually work. If it took longer, not as well - to attain that end goal of 5 ips...

Hi Bill, In the end I would dare say you are no surere of that strategy than she is of hers. She can CHANGE strategies at any time.... If prices go up mor thn expected for example and she chooses to dip into equity to help...or lower the deposit before buying again If they don't boom...

Agreed with Vincenzo. If people didn't mean it to sound that way, perhaps they should brush up on their delivery Speculating about her social life was a needless jab. If it were advice, it would have been, "don't close yourelf off to hearing other strategies..." but people pretty much...

and the smae would occur if you adopted another strategy ASSUMING thta you bought without thinking in the not the best name... You pay tax, or use th e$ for more accumulation - once you stop accumulating, shoudl you have 21 properties, would you not in theory pay tax ? I'm sure there...

Horses for courses. Worth understanding different strategies and making an informed choice for yourself for sure, but as a saying goes I am sure there is "more than one way to skin a cat"

Thats what he was saying - you are putting in the hard work to get the later free firde... ergo, no free ride, you've earned it... Hope that makes sense.