111# Dual Property Ownership Risks, Monthly Instalment Planning & Job Loss Impact

In this episode of NOTG, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers break down the realities of property investment for those in their mid-30s to mid-40s. They discuss why managing two properties that align with each spouse’s income can be more strategic than buying a single property based on combined income.

 

Beyond the numbers, they take a reality check, considering factors such as children, ageing parents, and future expenses, which become increasingly important at this stage of life. Lyndon also shares his personal experience from when he and his wife were in the MOP stage and why he believes in owning two properties—including his preference for four-bedders.

 

How about you, is it wiser to invest in one property or split your investment into two?

 

00:00 Introduction
00:40 4 Seasons
01:09 Ian and Grace’s financial situation
02:15 Two-property investment strategy explained
03:21 Need for a 4-bedroom home and financial planning
05:02 Comparing monthly installments for different property strategies
07:02 Managing risk in property investment
08:29 Capital appreciation and property value considerations
10:36 Choosing between property types for investment
12:02 Risk management and financial stability concerns
14:13 Investing in two properties despite job instability
16:10 Emotional vs. financial decisions in home buying
18:26 Extreme financial strategies for early retirement
20:22 Personal experiences and financial decision-making
23:46 Lifestyle trade-offs when choosing a home
26:20 Balancing present lifestyle vs. future financial security
28:32 Location trade-offs and financial planning
30:31 Maximising property investments
32:12 Advising clients on realistic property budgets
33:53 Next episode
34:30 Outtakes