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We have zero net income

That's my biggest concern.We have 38 units and "0" income, and I will be retiring from my paid employment this year, and living off rental income.

Rixter, I think your previous post where you talk about your 10 year rule,drawing equity from a property is very interesting. Just wondering if you have started doing this yet? If so, are the lenders concerned at all that you don't have "employed "income? If you used the equity to live off...