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hmm, get out of jail free cards are for monopoly. Id suggest taking a good hard long look at your personal risk profile and then look at ways of mitigating the risks identified. This might mean a diferent sort of asset, or it might mean taking out diferent types of insurance etc. landlords...

perhaps, its a pretty individual question. Why do you think you have to sell quickly? What is the need you think you might have? Perhaps borrowing a bit extra and leaving the extra funds in an offset account will give you the same result?

90 and 95% is possible in small regional towns, but not with every lender. Id suggest that you need to match your investment asset to your timeframe. that is, if you need easily and quickly liquid assets, you might be better off diversifying into another asset class rather than property.