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Blackwater does not look good when for $100K, you can get yourself a 3 bedder with 700sqm freehold land: http://www.realestate.com.au/property-house-qld-blackwater-113009011 Unless Andrew bought those properties on some kind of seminars which also include mortgage brokers/lawyers etc (ie...

Your PPOR at Baulkham Hills could get really good value if you sell it as there is lot of people willing to pay premium right now, to offset your losses at Blackwater IP. Then rent somewhere in Sydney. Of course being PPOR you may not want to sell it as it is hard to get back into Sydney once...