they will calculate the rent (simply 'cose it's income) but projection will not be 52 weeks it will allow for vacancy...and...your capacity to pay off the loan will get calculated on interest (at least) 2 % higher than that of 'today' and if you 'clear the bar' (likeliness of redundancy or retrenchment...and such) you should be happily in debt for a L O O O O O N G time !
(not that i'm wishing it on you but...)
prices dropped 20 - 30 % you say ????
thats much more than average for melbourne's ( 6% fall ) !!!
another 10% fall and KEEN's prophecy will come true...now...that wasn't that hard !!!
upgrading, page-2
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