G.day.Just responding to Yack thinking Steve & co bought at the right time and that it could not be emulated. Well this is just not so. I am about to visit a regional centre that is returning to prosperity, has v. cheap housing and returns of around 10-15%. You just have to look basically. For eg. I found heaps of possible areas on the net just using one search site (propertypath.com) and was able to research those areas using the Google search engine and doing exactly what Steve did; typing in the name. I also think that it is very limiting to think there is only one way to invest, i.e. in CG property. Just think what you could achieve if you had 10 properties bringing in a +ve amount that added to your DSR.The banks would recognize your capacity v. quickly because all income as you know informs their decision to fund your investments. By all means buy CG if yout research says so, but don’t discount the value of money coming in on a regular basis. Who cares if it comes from a low CG area? Income is income. Regards Brown boy