2 PRIVATE PROPERTIES and More

Do you wish to own your second property today

1. Without touching your current savings and paying 12% ABSD

2. Pay the same amount of monthly mortgage

3. Collect $13,800 annually in passive income from your second property.
(That’s ~8.26% ROE in your first year.)

I’ll Share With You Exactly How My Clients Collect A Steady Stream Of Passive Income From 2 Properties.

Read On If:

You currently own a HDB for more than 5 years OR

You own a private property for more than 4 years AND

You want to restructure your properties this year, without STRESS.

OR use my contact form below:

    SunnyLandSG Testimonials
    Couple 1

    8 in 10 Private Property Owners I Met Fall Into This Situation

    Jeffrey & Kimberly currently own a private property purchased more than 4 years ago and have a paper profit of at least $105,000. They have also paid up quite a bit of their outstanding loan.

    Firstly, they want to upgrade to a new home to live in and use the remaining profits made from their first investment to invest on a second property.

    However, they have many concerns which you could be facing as well.

    They want to leverage on 75% loans and stretch their loan tenures to 30 years

    Maximise TDSR

    They want to leverage on 75% loans and stretch their loan tenures to 30 years

    They want to minimize the payment of ABSD on multiple purchases.

    Minimising ABSD

    They want to minimize the payment of ABSD on multiple purchases.

    The monthly cash to pay for mortgage must remain the same as they are a young family.

    Pay Same Monthly Mortgages

    The monthly cash to pay for mortgage must remain the same as they are a young family.

    They want to have enough leftover cash to tide over any crisis.

    Save Reserve

    They want to have enough left-over cash to tide over any crisis.

    Initially, their plan was this:

    They only want to upgrade to a $1,300,000 home and take lesser risk. Every month, they pay only $1,377 to stay there.

    iconmonstr building 10 240

    Purchase Price                                 $1,300,000

    75% Loan                                          $975,000

    Mortgage (A)                                    $3,897

    [27 years, 2.0% Int]

    Husband’s CPF Deducted (B)        $1260

    Wife’s CPF Deducted (C)                 $1260

    Cash Top Up (A-B-C)                       $1,377

    Alternatively, I offered Them Another Option Where Mortgages Remain The Same

    It is possible to own 2 properties now without eating into their savings OR paying more mortgages. This is how I structured it for them.

    First Property

    Purchase Price                                 $1,300,000

    75% Loan                                          $975,000

    Mortgage (A)                                    $3,897

    [27 years, 2.0% Int]

    Husband’s CPF Deducted (B)        $1,260

    Cash Top Up (A – B)                        $2,637

    iconmonstr building 10 240 1

    Second Property

    Purchase Price                                 $650,000

    75% Loan                                          $487,500

    Mortgage (A)                                    $1,948

    [27 years, 2.0% Int]

    Wife’s CPF Deducted (B)                $1,260

    Rental Collected (C)                        $2,000

    Positive Cash (B+C-A)                     $1,312

    iconmonstr building 18 240

    Jeffrey & Kimberly pay $1,325 monthly to own 2 properties against just $1,377 to just own 1 property. In fact, it is more pocket friendly to own 2 private properties than just only ONE!

    Today, you own either 1 or 2 properties.

    How much wealth you can grow before retiring is directly dependent on how you progress from this ONE property in which you must LEVERAGE on.

    You now have 2 choices to make, that determines the speed your wealth grows at.

    1. Do absolutely nothing > Stay put and own just 1 private property until retirement age.
    2. Restructure your current asset(s) with the same techniques and recommendations that I use, which have benefited my clients.
     
     
    Couple-2

    But Why Is It Necessary To Own A Second Property?

    Remember that your second loan requires ~$1,948 of monthly mortgage paid to the bank? It consists of 2 components: Principal and Interest.

    If you look at the table below, $1,136 is accumulated on principal every month, paid by the tenant. You would have accumulated $13,758 by the end of your first year. That is 8.26% Return On Equity.

    Your down-payment amount was $162,500 and fast forward 5 years later, your total principal accumulated would be $71,621.

    This is real passive savings paid by the tenant!

    ” HOLD ON, HOW CAN YOU ASSURE ME THAT MY PROPERTY CAN BE RENTED OUT? “

    Data and statistics will not lie. I will disclose important market data to aid you in your decision making.

    I will show you different properties that has capital growth, highest rental yield and undervalued in PSF.

    piggy 1024x669 1

    MY NAME IS SUNNY L,

    A REALTOR & PROPERTY INVESTOR

    Sunny is a meticulous professional who puts clients’ needs before his. As an experienced project manager, he is capable of structuring solutions within stipulated timeline and budget. A responsible family man who works hard not only to ensure his clients’ objectives are met, and also lovingly cares for his family. #SunnyLandSG

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    Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.
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