I don't think there's a set %, but I know that if a property survives the eligibility period they always go for significantly more on open market. Stick to older ones that can be tarted up and this will be a great launching pad for multiple more IPs for you. For loans, you might need to talk to a broker to discuss options. I use and recommend Corey Batt in Adelaide. Is there some reason you haven't gone full time? It might effect how much money you can get which in turn effects what areas you can look at.