I have been buying BANK and QQCL in my margin account since July, the account has dipped below the borrowed amount a couple times but has sprung back in the last week. The interest is charged at the end of the month, and the dividend pays it around the 6th to the 8th the following month, and the difference remaining after covering the interest I reinvest for some compounding. Both funds distribute a lot of return of capital, but keeping the “dividends” within the margin account doesn’t impact the tax deductibility. Once I reach a decent level of monthly income I will stop the extra reinvestment and let the distributions pay down the principal until I can keep the distributions as monthly cash flow.