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Is this one of those "my friend" scenarios where it's actually you? If not, I would suggest that he probably shouldn't buy a property anyway. If it's too hard for him to do basic research, it's too hard for him to deal with tenants.

I'm not an expert when it comes to loans, but I think that your mate might be hard pressed to find a lender that will work with him if is income is $20k. That is unless he can get someone, usually parents, to go guarantor for him on the loan. That means that they vouch for him paying back the...