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Haha sorry about that, there used to be one called zos Anyway, if your getting an income from those assets then they should include it. The banks have been pretty generous with us. We have about half mill in loans and our combined income is lower than yours. But I guess we were using it...

Hey zos you didn't happen to have a night club in chapel st a few years back! About the lending though, most people here would do 10% deposits, you said you have kids? That will decrease the amount you can borrow by heaps. Duel income also helps a lot. What other debts do you have? Sounds...