Thank you for the responses so far.
The primary intent is to buy and hold, to have a good positive cash-flow for the long-term.
Leaving as is will achieve reasonable returns. There is the potential to strata, which could lead to the opportunity of unselling some of the units to pay off the remainder and therefore maximise the long-term return.
Given the comments so far, strata’ing could be a costly exercise and some serious number crunching is required to determine if feasible, something to look into further down the track rather than now I think!?

I would be happy with the investment as is, i.e.: without strata’ing.
In any case, the bank have indicated [being verified] that this type of investment is likely to be a business loan. I currently have personal loans only and no business or trust structure in place. Does anyone have any recommendations on what way to structure for the finance and / or advice on leaving un-strata’d please?

Regards,
Terry.