IHERNG PODCAST

Shout-out to the team at Nesh for sponsoring this video. Well I'm an existing user anyway, so personally I would strongly recommend them. Do use the promo code: IHERNG200 for RM 200 off!!Website: https://bit.ly/3PIq4CiLink to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThis discussion today highlights a very important point, there is a price for our peace of mind. Is it worth just to get a positive cashflow property even if the potential for capital appreciation is zero? Just because it's cheap, it's stable then it's good enough? Here also I will emphasize that step 3: Visit 20 different properties. At the same price range, are there better options? Most of us settled for that one project because we don't know about other deals.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbLet's be reminded that property has always been tools for us, either to make money, build wealth, or to have a home. So when it's neither for us, there is no point for us to commit or suffer for it. For this audience, she wants the property to generate rent and be a backup home just in case for the future. In my opinion, it's not the greatest buy from an investment pov. And it's not gonna really resolve her struggle of traveling 3 hours to work as she is trying to build a family at the same time. In my opinion, I would not put up so much money upfront for this property. If I really need to stay close to my workplace, I can always rent.

Shout-out to the team at Nesh for sponsoring this video. Well I'm an existing user anyway, so personally I would strongly recommend them. For indoor and outdoor water filters, do reach out to the team directly via : WhatsApp : https://url-shortener.me/J2HU Website: https://bit.ly/3PIq4CiLink to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThis audience highlighted a few key issue within the buying process. How do we determine market price? Is it based on the last price by the developer? Or is it based on transacted price? Also how come some projects just cannot get high rental rates? We discussed all about it within this episode:)

After checking out this project earlier, I really found this project to be superb in value for money if the location is relevant to you. Since I've been living around Puchong for 8 years now, I am seriously considering this project for ownstay only if my kid Mandarin proficiency improves hahaha. Anyway, shout-out to the team for having me again. For viewing arrangements, do contact the team directly via:Phone: 018 818 0000Website: https://danaupuchong.com.my/

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbFinally I'm making my way back after a bad illness. Today we will address a question regarding investment in older buildings around the city. The pros are certainty and stability. The cons will be older buildings tend to miss out on the capital appreciation. So how should we navigate? Since this audience has no urgency, I suggested to continue hunting for better deals yet at the same time negotiate further on the current property price she is gonna buy.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThe young people now are crazy!! I am very happy to know that they are putting all their knowledge in action and the results are great. But I'm concerned that they get carried away. For this particular audience, my advice is to live life a little, expand his knowledge in other parts of finance and business and that would be a better way to achieve his goal of RM 10 mil worth within the next 10 years.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbContact person for AIA loan: +60 12-560 9265 (Ms Catherine)Within the Malaysian market, there are 4 buying channels for property. There are new directly from developer, subsale from buyers, auction aka lelong, and the bulk purchase. So when we come across any project, it's important to run through these buying channels to ensure the best price within the market. Besides price, we also gotta look at the marketing package as well because the ultimate strategy for property investment is to look as little of our money as possible.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbSpecial shout out to the mother for a decision well done 40 years ago as the audience got the house as a gift. Again and again, I'm just fascinated with how property is a great tool to build wealth and legacy for the family. However, should we sell it then? That's the struggle for this audience as he felt romantic about the house. In my opinion, I think property is just a tool. We can use it to build wealth, pass down legacy, and also to enjoy the reward after 2 decades to finance whatever required in this life.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThe young people now are just amazing. This audience here has achieved remarkable earnings at the age of 30, but yet she is afraid and concern of the risk for property investment. Within the options she shared, I have so much concerns especially on the expectation of how flipping property is still valid. As the saying goes, we can never make money beyond the range of our knowledge. That will be so risky but it sounds right just because she got lots of capital. Instead, I would suggest to either get an apartment for cashflow. Or to get a landed house as a home, then exit in the next 10 years. Those will be also a way to test water, and to maximize on the 90% loan slot given by our government.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbIn this episode, we will discuss about the confusion this audience is having. What's the point of building equity for a fully paid property? Isn't RM 100k the end game? Personally I think the main difference will several conditions: (1) It depends on the intent of investment. Ultimately property investment is designated for long term therefore flipping, aka short game don't really work anymore. (2) To what percentage that RM 100k cash is calculated based on the total investment amount.(3) At which financial state we started investment.

Shout-out to Versa for sponsoring this video. I'm using their app to invest in my Private Retirement Scheme (PRS), not only to maximize my tax relief, we get to invest towards our retirement too. Go check it out now before the end of the year. Anyway, if you're new to Versa do use promo code: VIHERNG2 for extra returns. Terms and conditions applied. Versa download link: https://download.versa.com.my/1bAf/ghfijnqoIn this episode, an audience from Kuantan is considering a landed home as investment. Mainly it's to also be the place to conduct his tuition business. Here it gets tricky because economically it will be lucrative when we use residential premise to operate commercial activities. But most of the time, such home tuition setups are illegal. It's all good until something terrible happens. Maybe the neighbors will complain. Maybe there might be injury due to the high number of students. In my opinion, I would suggest to make that informed decision based on our own moral compass. If we choose to go ahead knowing it's illegal, so be it. To me, I shall pass.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbLawyer phone number: +60 13-514 9449 (Mr Lee)Another one bites the dust. We discussed heavily about this years ago, and I can't believe this is still happening:/

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThis is gonna be messy!! Now most students of the previous Guru's teaching are floating up the surface with lots of debt issue. Well are they victims? Are the Gurus scammers? It's all based on personal takes. To me, it's just them taking their chance on what they believe will work. But I just dislike the fact this audience was included in the loan of these properties just to extend the loan tenure:/ This is me trying to first sort out the issue by knowing how much is outstanding and what's the status of the projects individually. Then the number to look out for will be the total outstanding amount of difference between the loan and the market value for the properties. There is no easy way out of this. But it is not impossible. Shout-out again to this audience for having the clarity and courage on the matter. I am very confident she will brave through this.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbIn this episode, it's a very weird one. 4 cars?? Why would anyone have 4 cars? But I think ultimately it's absolutely okay when we sorted out our finances for the future. For the audience from Kuching, the entire dynamics and context are slightly different but I think the principles are still applicable to all.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbWhat an achievement this audience has accomplished!! Not only they accumulated wealth throughout their career, they even paid up the renovation and downpayment on behalf of their daughters. So this will be a discussion how to exit their investments. Personally it's a lifestyle preference decision first. That will ultimately dictate the way we will live our retired life. Therefore this episode will be kinda confusing because there is not definite answer. I even questioned about the mode of retirement preferred.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbIn this episode, we will discuss on the best strategy to sell the family house in order to settle the family debt created by the father. Well I agree on the approach since it's the best possible time for JB property market right now. We also discussed about how owners can work with agents to achieve our objective, either to sell at the best price? Or to sell faster. But what stands out to me is real estate always being the savior during emergencies. It may be business failures, debt issues, shortage of funds for family matters, the family home is often the most valuable asset under the old folk's name.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbIn this episode, we discussed about being too aggressive with investment. We also covered the comparison between subsale versus new projects. But the hack we are looking for now will be completed unsold units due to the material specifications. As for the declining population topic, I do think it's a matter of product to invest in. Larger houses are farther locations will not be preferred compared to smaller units within the city.

Use promo code: VIHERNG2 Link to Versa: https://versa.com.my/ Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbWhat an interesting session of imagining myself to be 60. At that age, would you still consider investing in properties? It's so difficult to get loan, even harder to get a property that justifies the cashflow and returns. Then if we pay full cash for a property, does it still work? Or other investment makes better sense?

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThis episode is rather simple. Just hold on to the corner lot terrace house since it's already making money. Meanwhile rent out the unit for tenants to cover the interest. But what's more apparent to me will be the negative emotions of this particular audience:/

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbHow do I consider a project to be great? It's when there are multiple rental options for the rent to breakeven with the installment. However, many investors are just attracted to the crazy returns promised by short term stay oriented projects. This example then will be a great case study although the timing of the product might be different. Then why are we setting the number of units as the goal? Isn't an amount better?

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbFor this episode, this audience demonstrated the benefit of having savings while young, which allowed him to lock in to a very good landed home deal. However in order to move forward with his investment journey, I've made the explaination on the reason why certain strategies are only applicable currently.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbWith a solid financial habit and foundation, this will be the start of the investment journey for this audience. We discussed about why young people often prefer buying directly from developer although their prices are mostly inflated. Why don't they prefer buying from the secondary market or even via the bulk purchase route? Then we also discussed about Feng shui and advices from parents, should we really pay a lot of attention to them?

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbWhat a detailed question for the episode!! This only indicates the level of preparation and attention to details by this audience. As excited as I can be reading the question, I am very concerned with the ambition. 10 properties in 10-15 years? Is it really doable? Definitely provided our active income is solid at the range of 6 figures. Also what to invest in? However the main question is WHY? What's the rush? So when we set goals, it's important to be REAL with it. Always tie back to our ability and risk tolerance.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbI'm so grateful for this audience because she absolutely destroyed the stigma of property belonging only to man and to Chinese. As a Malay woman, she is absolutely ahead of her peers with her current income and investment portfolio. Anyway, the question is whether to settle the housing loan early. Well it depends on several elements. First it's to choose between saving on interest, or maximizing on the tax system. Next would be personal risk appetite regarding debts. And last of all, should be deploy our capital to future proof ourselves better?

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbEven after posting on Reddit, this audience came to seek for an extra opinion about whether to buy his home now. The concern is whether can he afford it? Will he lose money? Is it the right location? To me, besides being in that comfortable financial state, this audience also thought thoroughly about the location and project along with the 85% rule compliance therefore I think it's a green light to go ahead:)Congratulations!!

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbThis is the reason why I absolutely love what I do. This audience applied all his learning to his investment and it paid off. So throughout this episode I've highlighted all the right things he did. However as happy as I am for his deal, just be very careful with who we share our good news with. Always stay humble, stay hungry and focus on the next one.

Link to join my team in property investment club: https://bit.ly/3VmJixMFor property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rbIn this episode, we address a question from a Malaysian working in SG. I absolutely disagree with his approach to buy property using cash just for monthly cashflow. Instead I suggested that he should stick to what he is good at, which is stock trading and use his credibility to get properties. The only difference will be the channel of buying property. If bought right then this audience get to chill as he expected to even without putting in capital.

Link to join my team in property investment club: https://bit.ly/3VmJixMUse promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rbIt has been a very scary week. Hazards are just pilling up one after another. Due to the amount of emails regarding these incidents in my inbox, I've decided to share some of my thoughts. Once again, hopefully those who are affected get their insurance claims approved asap and may their life resume to normal!!

Link to join my team in property investment club: https://bit.ly/3VmJixMUse promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rbSo much admiration for this audience. After providing everything within his younger years for the family, finally he is gonna reward himself with a property. But he is concerned about the affordability and financial security portion of the move. A simple answer would be to just make comparison between the rental rates against the installment amount. If rent is half the installment amount then just rent. Most likely we are gonna lose money if we're gonna own the place. Then if the rent is higher than installment, buy the place and live within. If the rent is similar to the installment, then apply the 85% rule to protect our investment by ensuring an exit strategy is in place 5 years down the road. Well we also discussed about parents buying properties for their kids, is it a good thing or a bad thing?

Link to join my team in property investment club: https://bit.ly/3VmJixMUse promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rbThis audience shared about how one wrong move could just messed up our entire financial situation moving forward. So we highlight the red flags on the deal to learn from it, and guess what. There's nothing much we can do to exit but just lose money on it :/The project went through LAD, court cases, ignorance towards strata title issuance, invalid appointment of property managers and so much more...

Link to join my team in property investment club: https://bit.ly/3VmJixMUse promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rbIn this episode, this audience is facing a major difficulty in his financials right after he got the keys to his RumaWIP. Although it sounds like a housing problem, I think it's a personal finance issue. So the suggestion is to first get the unit rented out to resolve the cashflow, then be very honest with himself and look into all his spendings to figure out how to reduce them.

Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This episode highlights the consequences of not making informed decisions. We will end up with a property without a clear strategy and this may easily cause us to waste both time and a lot of money. I'm extremely passionate about this phenomenon right now, especially around the market condition that is preparing to go into a bull run soon. I've also explained why is it important to go through the 4 basic steps when we buy property. Then we also explored the 4 different channels of buying a property in Malaysia.

Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb My agent Mr Jin's contact: +6014-6376359 In this episode, we discussed a lot about strategies to reshuffle the property portfolio before this audience is moving back to Malaysia. Ultimately one of the most attractive property type in Malaysia would be the landed houses, but there are several types of it. Then whether should they rent first, or get one straight away? What about their existing property, should they sell, rent out, or refinance?

Use promo code: VIHERNG2 Link to Versa: https://versa.com.my/ Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This audience here is suspecting an inside job when a building management impose new regulations on short term stay operators. Personally, I would actually do the same for several reasons: 1. To only allow qualified operators because currently there is no qualification nor license required to run unit operators 2. It's requires lots of resources to control the security and liaise against so many different operators 3. A high deposit amount at least qualifies the operators and that amount provides certainty to repair or maintain the common areas The only reason of upset might be the different terms and conditions discussed with individual operators. But it's just like the security company, landscape company, cleaning company, maintenance work company... For the time being, the building management team has the ultimate say. Owners are only upset when it hurts their investment ROI. Therefore, for inexperienced buyers... Please reconsider such typology of projects as for first one.

Ever wondered what is the development scene like in the northern part of Malaysia? This episode we got in a friend who runs development in Alor Setar under Imperio Group. For more details of his project, do check out via the link: Website : www.11tanjung.com Phone: 6018-6609898 Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb What's surprising to me would be the amount of passion and pride towards their product. Even the way they launch their product is very refreshing. Could these be duplicated in Klang Valley?? I don't think so due to the scale of operations for the bigger, more established developers. Well with the different land laws, different culture, different economic climate, property will always be a priority for everyone. I had so much fun!! Can't wait for them to finish the show unit so we can go check it out:)

Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb AIA home mortgage : +60 12-560 9265 (Ms Catherine) In this episode, we discussed about the importance of knowing all the different loan facilities available in the market. Only then we will understand why refinancing a property to settle personal loan and credit card debt is viable due to the difference in interest rates. But my bigger concern here is about the accumulation of debt. Is it due to over indulgence in lifestyle? Or a failed business venture? However, this scenario just showcase the benefits of starting the property investment journey early.

Link to Versa : https://versa.com.my/ Use promo code: VIHERNG2 for extra RM100 bonus:) Link to join my team in property investment club: https://bit.ly/3VmJixM The Makeover campaign: https://www.themakeover.my/fiesta Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, this audience shared about selling his business for his mental health. But I felt that that option was enabled by his earlier decision to invest in properties. Here we witnessed the benefit of the right allocation of funds earlier in our career. My suggestion is for this audience to take a break since he has done tremendously well for the first half of his career. Now he can afford to chill, fix himself and spend every moment with his loved ones. When he is ready, he can then come back to the workforce.

The Makeover campaign: https://www.themakeover.my/fiesta Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to join my team in property investment club: https://bit.ly/3VmJixM Getting in debt is never the worst problem, it's definitely not worth taking one's life. This episode got really intense as this audience just got out of bankruptcy and he is really pushing himself a lot. My suggestion would be to first get the mindset right in expecting this problem to only resolve within years to come, never instantly. Then I strongly suggest him to get himself educated on the available financing facilities in the market. But lastly is to have patience and rush into anything before getting any clarity. For those who have the right professional or qualification may reach out to me yea so I can connect you guys accordingly.

Link to join my team in property investment club: https://bit.ly/3VmJixM The Makeover Mania campaign: https://www.themakeover.my/fiesta Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to Property Management : https://www.cozyhomes.my/ In this episode, we made comparisons between property investment versus other stable investments such as Fixed deposits and EPF. The main difference is actually the leverage provided by the banks. This is where I break down why I am so bullish in property investment where I am just spoiled with the support of services I am surrounded by.

Link to join my team in property investment club: https://bit.ly/3VmJixM The Makeover Mania campaign: https://www.themakeover.my/fiesta Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, an audience from Penang shared about wanting to start investing at the current age of 50 years old. Personally I think it might be a little too late, but it's still entirely possible. Then we also discussed about using money from housing loan instead of the inheritance received to have extra cash around. Personally, I still think it's very important to start young.

The Makeover Mania campaign: https://www.themakeover.my/mania/ Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install In this episode, we discuss on what to do with a fully paid property either to rent it out or to sell it. Then is it a great idea of settle the housing loan? But its also very interesting to see how a lady at 40 fully paid a property, also have a saving amount of RM600k!! I sincerely hope more ladies would pay more attention and put in more effort in their own investment profiles.

Link to join my team in property investment club: https://bit.ly/3VmJixM The Makeover Mania campaign: https://www.themakeover.my/mania/ Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install In this episode, I got carried away with a lot of investment details because this audience just recovered from an investment mistake and financial crisis. Therefore I shared on the different buying channels, the research methodology, the strategy of building our property portfolio safely, and many more. Just wanted to ensure everyone has better clarity when the property market is heating up as we speak.

The Makeover Mania campaign: https://www.themakeover.my/mania/ Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install I am just envious of this audience as her father has offered to give her RM300k to buy property. So in order to make the best out of it, I gave her several suggestions: 1. First to clarify on the timeline of the money because currently she is still not making enough to have a better choice of projects within the market 2. To continue researching the market, at the same time getting herself equipped with the knowledge of property investment via the channel and property investment clubs. But in the end, although most of us wouldn't be as fortunate to have RM300k being offered, I think we should aim to be in a position to provide such excitements to our next generation:)

The Makeover Mania campaign: https://www.themakeover.my/mania/ Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install What a great reminder of how limited our time can be! And most of us just take for granted while focusing to much on building for the future. Anyway, my suggestion for the audience would be to live life a little bit more and to only continue investing after the 2nd unit is rented out. Meanwhile, save as much as possible for the worst case scenario.

The Makeover Mania campaign: https://www.themakeover.my/mania/ Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install In this episode, an audience shared about his latest booking for this property in Genting under their GRR schemes. I've been trying to avoid making videos like this for the longest time, but I just want to make sure everyone understand the risk they're taking before committing to such projects.

Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install Let's be real. Real estate investment has always been exclusively only for the affluent, and those with knowledge. At least, our salary needs to be sufficient for us to qualify for the housing loans. In my channel, the goal is to enable every Malaysian to have 3 properties in their lifetime. But many misinterpret it to be one each year. In fact, I've clarified that we should target to own 1 every 10 years. One when we are 30, another when we are 40, then the last one when we are 50. Totally possible. Technically for this audience, the investment part is easy. The patience and mindset shift to first provide for the family and grind through will be the main challenge.

Link to Brickz Report: http://bit.ly/3x1jJZA Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Link to OpenHouse App: https://openhouseapp.ai/install In this episode, I'm so inspired about what we will be achieving in the future which is to not be a burden for our family. That's the whole point of property investment. Not only we can be independent, there are high possibilities that we can support our future generation to achieve their goals. As for the audience, I would suggest to move out of the house regardless of a new property or not. For the sake of peace of mind, focus, and privacy. Also I would strongly suggest to move away from the obsession of focusing on auction property as the cost of mistake can be too high.

Link to Brickz Report: http://bit.ly/3x1jJZA Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we have a very capable young audience who's sorted out his income at a very young stage. However, as he is moving to the next level which is property investment, there has been 'disagreements' from his in-laws. Some of the remarks are comes from their love for their own daughter, a little bit might come from ignorance. This is an important message because we investors are the minorities within the society. So once we grasp the concept, we need to protect our mind because the world will always tell us otherwise.

Link to Brickz Report: http://bit.ly/3x1jJZA Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb If I were to be 22 again, I will not invest in a property. I will take some time to explore several things such as my career options, alternative investments, also live life a little bit. Then after having sufficient insurance coverage and 6 months of emergency fund, only I will suggest to get committed to a property. Then a lesson I learnt during my early days would be to always audit our own thoughts and belief system. The usual contributor to our belief is always our surrounding and the information we consume. So do always think as a 3rd person, run a self check on the concepts we believe in.

Link to Brickz Report: http://bit.ly/3x1jJZA Link to join my team in property investment club: https://bit.ly/3VmJixM Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb What an amazing first property investment shared by this audience!! At 24, he managed to pull off a subsale deal at zero down payment and rented out the fully furnished unit at a rate covering his monthly installment and maintenance fees. I am soooo proud. But within this email, we also discussed about the definition of a great investment property. In my opinion, at this current market along with my financial state, I think it's defined by having a rental rate that can cover the monthly installment at least. But as we achieve the state of abundance, the discussion of returns will be different and I look forward to that.