Scenario: Bob buys his first investment property, a two bedroom apartment, for $250k with a loan of $200k. After two years he pays off $100k, leaving $100k owing on the loan. Bob redraws this $100k and buys his second investment property, a four bedroom house, for $500k. He decides to consolidate all his debts and takes out a new loan of $500k, paying off the old one. Bob now has a single loan of $500k on two properties, for which he paid $750k. Questions: If Bob decided to move into his first IP, what portion/percentage of the loan would be allocated to the property? If Bob decided to move into his first IP and sublet 1 room, how would he determine the portion of the property/loan that is being used for investment purposes?