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Thanks for that YMan, I'm well aware of that. Anyway, I dont think I'll be selling the property at all. Renting another cheaper place to live in would be more strategic financially.. however, not all decisions should be made purely on the financial aspect isnt it ? The property costs more...

I am thinking of purchasing a nice apartment and renting out one of the rooms to help with the mortgage. Living in one room and renting out the other will result in a shortfall of about $20,000 p.a taking into account everything. If I were to rent out the whole apartment, its almost neutrally...