etc say u buy a property within 15km radius to cbd. u pay 315k after 3 months reval 350k no renovation needed (bmv) using that extra 35k to take care of the negative gearing (-4k p.a) (this includes taking the 35k out & tax savings) which will allow u to hold it for 8+ years without it actually costing you (35/4 = 8.75 years) is this a good idea? is it best to use withdrawal to take equity out when needed? or use offset? can this money be claimed per year as it was used to pay for investment shortfalls? :S or no cos you've already claimed tax savings? bit confused here.