@Redom - great post mate and has been added to the "Redom" resource file It will help but probably not as much as you think. The debt associated with the properties will be treated as P&I repayments over 25 years (assuming 5 years IO initially) @ 7.25% and this is what will kill your serviceability much faster than a 5k/annum +cf property. So the treatment of OFI (other financial institutions) debt is what will stop you in your tracks. Also bear in mind rent is shaved to 80% of the total as lenders assume costs/vacancy periods in the calculations as well. I received an email form TMB this morning stating they will only take 70% of rental income so expect more of this across the board.