Hi again,

Well....... I havent emailed all those banks yet but it turns out it was meant to be.   I rang the Resource Line yesterday because I was a bit stalled - got a few more ideas.  Started off this morning again and seems I have been using the Real Estate Evaluator wrong! Oops.  Anyway those wonderful returns are actually double what they should have been and now one of the properties is NEGATIVE!  Aargh. Oh well lesson learnt.  Check everthing.