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Everything (i.e. everything) is on XL spreadsheets. One for monitor total situation. Two for tax returns. Three to present to bank as necessary. Review of facility by bank is "same as always". Value all IPs, apply LVR (mostly 80%, some 60%)& establish facility limit. Then, we "horse trade" some...

LOE works. Haven't been here for a while. Interesting to see this being discussed again. Just for the record it DOES work. We're full time LOE now for three years. No job (except tending the IP flock). No shares. No managed funds. No cashbonds. No seminars. No books. No commercial. Just resi...