Hi All.  Thanks very much for all the insights posted on this forum. I'm at very early stages of considering investment in the US and have found this discussion very helpful and informative.  I really appreciate the opportunity to learn from your various experiences and research so thanks for your generosity in sharing information.  James, I would be very interested in a copy of your loan comparison spreadsheet if you wouldn't mind. Not sure how to contact you directly, could you pls provide details?

Sam