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Nah mate.....my literacy skills are poor...I ist not edumacated...:D Whilst we are on rental returns ....arbitary figure...at current IR 6.5% is plenty...at 7.5% IR you will need 10-11%...thar you go...I am also assuming that the property value is at least 250k!

7.5% is the new number....stress test you portfolio with this....if you can cope with buffer to carry any cash flow shortfall for 1-2 years you are sweet. ;)