The right investment property needs the right loan structure and banking setup in order to be ultimately effective. There are a number of traps that first-time investors fall into. Ensuring that the right people are around you to make sure the little things are done correctly is paramount. Offset accounts, locking in rates, depreciation schedules, buffer accounts, maintenance allowance, tax variations, ownership split optimisation and a varied range of loan products are some of the tools a knowledgeable investor can use to make the process as smooth as possible.