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:

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

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

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

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.

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

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

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

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? “

Testimonials

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