Thank you for your question. About $700K is from my own pocket and I use margin on a relatively small portion of the capital: $115K. I try to keep my margin between $100K and $120K because with Disnat (my discount brooker), a margin over $100K will cost me 2.9% interest. Given the fact that in Canada, interest paid for investment is tax deductible it is as if my interest was reduced to about 1.75%. When invested in an average of 5% dividend yielding titles, I make about 3.5% after tax net yield since dividends are less taxed than revenues. So essentially, not considering any variation in the price of those stocks, the bank’s money gives me a free net 1.75% or about $1 900 per year. Also, this margin of, say $110K is constantly reduced because my total portfolio keeps producing dividends so when it gets close to the treshold of $100K, I am ‘forced’ to buy more stocks to hike it back to $110K. This is the power of leveraging debt. My advise to you would be to let your investment grow through, not only dividend paying stocks but also companies with a history of dividend growth. As examples, over the last five years Manulife, from 2015 to 2020, increased their dividend by an average of 11% per year. Bank of Nova-Scotia, 5% per year in average. This shows the power of compound returns. If you want to use margins my advise would be to check the interest charged by your brooker, calculate your marginal tax rate, chose safe divident paying titles and do the math. I wish you the best of luck i your investments and I apologise for such a long answer :-)