It's always recommended to create a Property Investing Business Plan in general but I've read that a few suggest going as far as developing one specifically for the bank to show them you're a bit more serious about the process than most of the other investors. It would contain a cashflow forecast and feasibility analysis of the IP along with the reasons why you're investing in that particular area (Gov spending, pop growth etc), fture plans for the IP and best/worst case scenarios and how you'd be prepared for them. Would it make much of a difference at all or could it help get a loan over the line and maybe a bit more $'s? Has anyone done this? I do intend on using a broker for my next IP but can't help but think the mortgage assessor would be impressed by a more professional approach. It is a business after all.