ZachAnSel is acronym for : Zach, Anwar, Selvia. My real name is Anwar, 31 years old who love to learn from couple financial cases (Asian crisis 97-98, Dot com Stock 2000, GFC 2007-2008, Europe 2008-2009). I'm just another IT person, who also love negotiation. I start trading stock around 2006, and without knowledge almost wiped 2007. Then we migrated here in Sydney on the same year. Working hard save and purchase my first house 2010. I try to keep overall LVR in middle range (around 50%) for flexibility in the market. I dont have any tradies skill, but love interior design and love negotiations. Never pay full price is one of my fav quotes My strategy is counter cycle monitoring, buy low, reno, rent, reval and repeat. I love low ball in desperate market, can get good quality property with even lower price.