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I think with LOE they assume the tree grows a lot faster than LOR due to location when planting :D

A number of retirees would be LOE to an extent? Source Source

KeithJ has a great thread on that type of strategy also How I got from just a PPOR to multi millionaire retiree in 5 years using only OPM.

There was an article in API about a Perth couple with $6M in assets and $3M in equity who were LOE, more recently they have started buy-reno-sell to add to that, plus turned the PPoR into a B&B to top up the Equity Levels