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I have assumed 6.5% as average interest rate. Yes I have learnt a valuable lesson. The property is new, a townhouse, I initially bought as PPOR now an IP (I know I know not the best investment as I bought in Jan 2011 during the peak of the cycle and property has not grown in value. but I was...

Hi, I am wanting someone with experience to detail running costs vs rent of their investment property over a number of years - attaching a spreadsheet would be great. I dont understand how people become positively geared after say 5 years. I have run calculations on my spreadsheet (attached)...