G'day all, My scenario is that I have an account used for the purpose of having all rents deposited into, and all loan repayments come out of this same account. The minimum monthly interest on each loan account is paid and as my overall portfolio is positive, over time this account accrues money. My question is, can I then take out some or all of this "surplus" money from time to time and deposit into my own personal account? Bearing in mind that all IP loans are being paid their monthly interest amount, so interest is not capitalising on them. Next question, if the answer to the previous questions is Yes, then what happens a few months down the track if for whatever reason the expenses go through the roof or I lose a couple of tenants and suddenly this account goes negative? Can I then claim the interest on this account as a tax deduction? Thanks, Andrew.