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Not including rent is giving you a false figure. eg. a $250k PPOR with $250k mortgage @ 7% = $17.5k + $2k (water and council) = $19.5k holding costs So yes, that's 19.5/250 = 7.8% rise needed per year. But if you rented it out instead, you wouldn't have $0 cost of living elsewhere. Your...

But is that 4/8% the total cost of having the PPOR ie. interest + running costs, before or after you assume that you would have to rent elsewhere? In other words you can't take into account all PPOR expenses and say you need 8% growth to cover costs unless you're planning on living in a field...

To me, buffer refers more to what another poster mentioned earlier ie. Cash surplus to cover costs for a certain period. Above is more about the required ROI to get you to neutral or after that positive. Yes, couple of them are positively geared whilst another needs 1.5%. Technically the...

Excl. PPOR, my IP's (at their current fixed rates) need 0.41% - I think they'll swing that. But yes, 'buffer' is definitely the wrong terminology for the question asked.