How much leverage would/do you feel comfortable with?

No not at all mate. Just trying to get an idea where others are coming from that's all.

And I agree with your post above completely too, minus the first sentence

 

Without margin calls happening on property, to me it matters little what the LVR is inside the bank contract (excepting that you pay more LMI $$!).

What really matters is your personal debt coverage.

If going higher bank LVR allows you to keep $100k in the offset for emergencies, then I see that as less risky than going 50% LVR and having no cash to your name. Especially these days when you can't easily access that 50% equity anymore, having cash is even more important.

The point I say stop, is if I can no longer find an investment that I judge will meet my criteria and goals (an investment with clear benefit) OR if the banks tell me to stop (or price it way too high e.g. Pepper).

 

~ 70% LVR is comfortable for me

 

Currently at 90% but I have an appetite to risk also in a strong cashflow position so not losing sleep at night

 

Don't really have a percentage figure, whatever feels comfortable at the time, maybe 60-70%
Usually have a decent buffer in the offset.
All our IP's have been multi-unit developments, borrow from the bank to buy then cash fund the development.
Refi then go again.

 

If I borrowed another 750000 to 1000000 tomorrow my LVR might be higher but if its sitting in an offset I would feel even more comfortable. Cashflow is what matters.

 

All guns blazing atm as much as I can as fast as I can saying this I do like good cash flow and a decent cash bufffer in the bank.

 

I'm at 80% at the moment. Acquisition phase.

I'd be comfortable with any LVR. I keep my holding costs within my means, stress test and have sufficient buffers.

 

Yep;

Given that PI is not 100% risk free; this is a good figure to go by.

Banks used to only allow us to borrow 80% of the property value; so there's a clue.