the bank is not in the business for YOU to make money, banks are in the bank make money business.
they want you to borrow money, pay exhorbitant interest on it while it sits in a savings account losing value, then give it all back to them, with early repayment penalties.
no risk
risky properties, can be a large source of cg cf (and FU to the bank.) risk assessment becomes the difficult, chief requirement.
edit: risky properties:-> Nathan would have a great deal to say.
edit2: dha houses, have a guaranteed rate of return, regardless of whether there is a tenant, and a guaranteed restoration of the property to fantastic condition at the end of what is usually a long agreed fixed term. EX-dha homes are usually only ex because the owner refused some upgrade that dha requested
edit3: mining or resource town:- at the start or the end of the mine, makes a huge difference. manganese mine 55km north of Tennant creek opened april 2012, tennant creek rents tripled between between january and march. been stable since, build or buy a property for rent now, see little return. bought cheap years ago, and struggled, now goldmine. new mine opening 55km east, will it happen again, probably. but banks say country town = risky