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That's more like it, but even then I'm still a bit reluctant. For my personal comfort, I still would prefer a solid 100% LOR coming in for my living expenses. Don't get me wrong though, I'm very comfortable with a bit of a combined effort whereby LOE can be used for some luxuries.

While this is true, I have seen a few that want to gear up to 80% and LOE. I'd rather play it safe, as they say, it's all about how well you sleep at night, and personally I wouldn't sleep well if I was so bold as to try to LOE.

Personally, I think LOE is quite a risky scenario, and one I am not comfortable taking. LOR, however, I see as low risk. The last few years has seen rent rises of around $100pw for several IP's. Give us some more good CG so we can sell down a couple and add a couple of Granny Flats and LOR...