In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers reveals the often-overlooked mechanics behind successful real estate investment—framing the bank and the tenant as your silent co-investors. Through a detailed financial walkthrough, he illustrates how leverage, structured repayments, and tenant contributions combine to create a capital-efficient strategy that multiplies returns.   Using a hypothetical $2 million property, Melvin Lim compares fully paid versus leveraged scenarios, breaking down how $500,000 in equity, paired with bank financing and rental income, can unlock over $1.1 million in value over time. The discussion also highlights the role of cash flow, principal amortisation, and risk management in maintaining healthy property investments.   For those considering a leveraged property purchase, navigating rental yield gaps, or exploring tenant-supported ownership models, this episode offers grounded perspectives.   0:00 - Introduction: The Two Investors in Your Real Estate Journey1:07 - Leveraged vs. Non-Leveraged Investing1:43 - Understanding 75% LTV and TDSR2:31 - The Core Question: Better Return on Capital - Cash vs. Leverage3:07 - The Power of Healthy Leverage and the Multiplication Formula3:45 - Return on Capital (ROC): Fully Paid (20%) vs. Leveraged (80%) Scenario5:04 - Summary: Leveraging vs. Non-Leveraging Approach5:15 - Risk Factors: Sustaining Monthly Instalments and Cash Flow5:37 - Recap: The Four Quadrants of Real Estate Analysis6:14 - Investor 1: The Bank (Your Co-Investor)6:32 - The Bank's Interest: Principal, Interest, and No Share in Profit9:14 - Investor 2: The Tenant (Your Second Co-Investor)9:25 - The Tenant's Role: Co-Investing on a Monthly Basis11:47 - The Owner's Rights: Paying Costs for Full Profit Ownership12:20 - Win-Win-Win Scenario: Owner, Bank, and Tenant Benefits12:47 - Loan Balance Reduction Example over 4 Years13:34 - Amortisation Table Breakdown: Principal vs. Interest14:11 - How Tenant's Rent Covers P+I and Reduces Loan Balance15:47 - Summary: The Two Investors at Work and Their Contributions16:36 - Property Owner's Gains: Appreciation, Principal Pay down, and Initial Capital Back17:45 - Mental Accounting: Cash Flow vs. End-Game Unlocked Profit19:48 - Next Step: Refunding Unlocked Capital to Fund Next Property Investment

Is Singapore real estate overpriced in 2025? By examining long-term price trends, transaction volumes and interest rate movements, the conversation moves beyond general assumptions to reveal what’s truly shaping the market today.   In this episode, Melvin Lim explores why average growth figures—such as 5% per year—don’t reflect ground realities. Segmenting by asset type and district reveals a sharp contrast between properties that have surged and those that have stagnated. With key frameworks like quantum pricing and the impact of policy harmonisation, this episode draws a macro-level view on why Singapore’s pricing remains resilient, and how the psychology of ownership plays a pivotal role.   If you’re navigating capital allocation, planning an entry in Q4 2025, or considering holding strategies into 2030, this episode offers grounded perspectives.

With $4 million to invest, should you secure a high-end condo or stretch into the landed segment?Melvin Lim from PropertyLimBrothers uses the Buying Power Triangle to explore how price thresholds, buyer profiles and exit potential interact in today’s property landscape. The $4.5 million mark emerges as a critical pivot—especially for those aiming to future-proof their real estate decisions.   Cooling measures like the 60% ABSD for foreigners have reshaped transaction volumes, pushing local buyers to the forefront. Melvin examines how this shift impacts the buyer pool, resale strategies, and why understanding the aspiration ladder matters more than ever when planning your next move.   If you're navigating property investment around the $4M mark, this episode offers grounded thinking on strategic positioning and long-term exit planning.   0:00 - Teaser0:54 - Q&A Time - If I have $4 mil, Condo or Landed?1:13 - Intro to 3 Mechanisms1:31 - Mechanism 1: Who are the Buyers1:38 - Chart: New Sale Non-Landed Homes by Foreigners & PRs2:54 - Chart: Resale Non-Landed Homes by Foreigners & PRs3:25 - Understanding Buying Power Triangle3:35 - Element 1: Affordability5:12 - Element 2: Sweet Spot Pricing7:30 - Element 3: Who are the Buyers8:23 - Every Singaporean’s Aspiration10:20 - Finding the Sweet Spot11:18 - Conclusion & Outro

What if the most undervalued 4-bedders in Singapore are in the North—and they’re disappearing fast?   Melvin Lim from PropertyLimBrothers spotlights key districts like Sembawang and Yishun, where a $1.6M entry into resale ECs and condos under 15 years old may offer significant upside. With a current PSF gap of nearly $900 between resale and upcoming TOP condos, the data points to a narrowing window for buyers with a sub-$2 million budget.   Melvin contrasts the return on capital from North-side resale units with higher-quantum alternatives, showing how strategic entry timing and quantum size can lead to stronger ROI. As new launches edge toward $2,400 PSF, this widening resale-to-new gap could make current listings in the North increasingly hard to come by.   If you're eyeing the North for long-term upside or searching for low-quantum, high-yield options in Q4 2025, this episode is one to take notes on.

In this episode of Nuggets On The Go, Melvin Lim dissects the shifting dynamics of Singapore’s Core Central Region through the lens of District 7. As recent years have seen RCR and OCR prices converge with CCR, Melvin explores how this region disparity opens up a recalibration in investor thinking.   District 7’s transformation—through major rejuvenation efforts across Bugis, Beach Road and the Golden Mile precinct—signals a new era for the CCR, beyond Orchard and River Valley. With references to mixed‑use ecosystems, master plan transformation and urban rejuvenation, the team explores why D7—once seen as a cultural fringe—now holds weight in CCR investing conversations, shaping D7’s rising prominence in the core.   Those navigating core region pricing, rental viability or long-term CCR positioning will find practical insights in this episode.   00:00 Introduction00:49 Foreigners Playground03:15 District 7 potential07:50 Disparity Gap Aurea and Grand Dunman11:15 Disparity Gap Aurea and Chuan Park12:00 Correct Equilibrium14:37 Beach road rejuvenation15:44 Aurea and future masterplan18:35 Transformation in the Area24:18 Golden Mile site model25:43 Unit Types26:15 ABSD from 30% to 60% for foreign buyers27:23 Golden Mile Tower redevelopment28:51 Bugis will overtake Orchard as new prime residential area34:51 Aurea location35:38 Aurea and other New Launches36:24 Aurea and Resale39:35 4 year timeline CCR Region42:18 Aurea efficient layout43:59 Conclusion44:19 Outtakes

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers walks through a critical investment framework: lease reset analysis. By comparing properties like Penrith, Stirling Residences, and Queens, he explores how buyers and investors can evaluate which project holds stronger exit potential by 2029.   Melvin explains how the reset of lease tenure affects true pricing, and why resale sellers are becoming bolder with their asking prices as interest rates soften. Melvin also outlines how different buyer types emerge based on their appetite for brand new, resale, or newly TOP units — and what this means for your resale strategy. With references to progressive payments, opportunity costs, and pricing deltas, this episode provides real-time context for anyone navigating today’s shifting market landscape.   0:00 - Teaser1:00 - Melvin’s quick thoughts about Penrith1:30 - Introducing Lease Reset2:11 - Lease Reset: Stirling Residences2:26 - Lease Reset: Penrith2:52 - Making Sense of the Lease Reset4:19 - Penrith or Stirling Residences?
5:00 - Sellers’ Aggression5:42 - Opportunity Cost6:32 - Analysing Penrith and Stirling Residences9:06 - Decision-making Tool10:23 - Analysing Queens11:01 - Recap + Outro

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers breaks down how investors can assess real estate value at a micro level using PLB’s Equity Triangle Framework. By analysing market trends, asset risk, and opportunity zones, the episode outlines how to approach investment decisions with data instead of emotion. The focus is on identifying what makes a zone “profitable,” with District 3 — specifically Queenstown — used as a case study. Melvin explains Queenstown’s sustained performance, limited launch activity since 2017, and strong resale resilience using data from bubble charts, lease reset comparisons, and quantum analysis. These factors point to ongoing demand from both upgraders and retirement buyers.   The analysis then considers how Penrith, a new launch in Queenstown, fits into this zone’s trajectory—and whether it can deliver the capital upside investors are planning for over the next 4 to 5 years.   00:00 Intro01:14 Investment Decision Triangle02:41 Fed announces first rate cut in 9 months03:30 Analyse Risk04:10 Opportunity Gap District 306:40 Analyse profitable zone11:15 District 3 analysing after 4 years13:40 Projects in D3 and their performance15:58 Anchorage project17:18 Why is District 3 profitable?20:28 Recency effect21:04 Future competition in 4-5 years time26:09 Comparing Resale prices to Penrith31:55 Post-Harmonised projects33:12 Anchorage freehold vs Penrith36:25 Entry and Exit Projection37:48 Creating your equity triangle38:21 Outtakes

Melvin from PropertyLimBrothers dives into the pre-catalyst opportunity framework—an approach that identifies growth zones before catalysts are fully realised. Using examples from project performances in Lentor and Bayshore, Melvin analyses how early developments around future MRT lines or major townships can offer strategic entry points before prices are driven by demand.   The discussion also introduces the concept of the double catalyst PSF push—a scenario where both new launches and resale properties experience a price acceleration due to surrounding transformation. Key distinctions between freehold resale and 99-year leasehold new launches are examined through buyer psychology, lease decay, and audience size, highlighting why quantum and PSF play different roles depending on the property’s profile.If you’re evaluating growth potential in URA-marked areas or considering how to time your entry for future resale gains, this episode offers grounded perspectives.   0:00 - Intro1:18 - Introduction to Pre-Catalyst Opportunity1:38 - Why Springleaf Residence Did Well2:01 - FIrst Mover - Lentor & Springleaf2:27 - First Mover Example - The Sail @ Marina Bay3:11 - Bayshore Master Plan4:26 - First Bayshore New Launch Plot5:04- Demarcation of Bayshore6:02 - Key Difference of Bayshore Demarcation6:40 - Pricing Benchmark for Bayshore8:44 - Freehold vs 99-year9:43 - Double Catalyst Appreciation Push10:56 - Identifying Features for a Property That Fulfils the Criteria11:19 - Why Is Buyer Audience Important12:25 - Audience Size13:10 - Recap

Melvin Lim from PropertyLimBrothers explores the concept of the Equity Triangle and the core mechanism he calls the Triple Movement of real estate: broad-based inflation, asset inflation, and debt erosion. Through the story of Andrew and Z, a couple who scaled their portfolio from an $800K HDB to $4.6M in residential assets, Melvin illustrates how disciplined reinvestment, understanding seasons of investment, and healthy leverage can change the trajectory of one’s financial future.   He breaks down how recognising life’s seasons—summer for growth, winter for divestment—can guide strategic property decisions. Hear real examples of how inflation affects both property value and loan value over time. Learn how to structure your holdings for lasting flexibility and eventual passive income. For anyone navigating real estate strategy from age 25 to 65, this episode is not to be missed!   0:00 - Intro1:29 - Building your Equity Triangle1:43 - Real Estate Appreciation Triple Movement3:05 - Inflation3:37 - Asset Inflation4:52 - Leverage6:39 - 10:13 - Case Study: Andrew & Ziyi13:00 - Growing into a $4 Million Portfolio14:57 - Protected Savings15:42 - Winter Season Route16:13 - Capital Appreciation based on inflation17:05 - Funnel of Passive Income19:19 - Mechanism of the Equity Triangle20:29 - Acceleration of Asset21:21 - Compound Interest Building22:22 - How you can still enjoy23:49 - Outro

In this episode of Nuggets On The Go, Melvin Lim and Yu Rong from PropertyLimBrothers explain the key drivers behind new launch pricing, buyer sentiment, and market trends in the Singapore real estate. They talk about how developers are adapting to the pressures of harmonisation policies, inflation, and shifting buyer behaviour, especially with interest rates falling and potential rate cuts ahead.   Hear about absorption risk, layout effectiveness, and evolving pricing benchmarks across OCR, RCR, and CCR segments. They also discuss how property valuation influences national morale and the strategic frameworks investors can use to avoid overpaying or getting stuck with stagnant assets. Drawing on the MOAT Analysis and past market cycles, find out why some investors might benefit from cutting losses, while others should stick with a clear exit plan.If you’re navigating pricing risk, developer tactics, or new launch timing, this episode provides essential insights to help guide your next move in the market.   00:00 Intro01:22 Topics to cover01:33 2025 New launch performance04:05 Absorption on the ground07:05 Harmonisation08:50 Household Net Worth10:48 Purchasing power in Singapore18:44 Developer helping you to raise price21:12 When new launch doesn't sell24:40 Pivotal seasons26:25 Developers with efficient layout30:01 FED rate reduction policy33:00 When price escalate too much35:50 Waiting to take action (advice)41:08 Preview of upcoming new launches / Artisan 8 / Penrith42:18 Skye at Holland44:00 Penrith46:24 Launch price of Skye at Holland48:35 Developer pricing49:44 Canberra Crescent & Springleaf55:53 Pricing for 2026 for New Launch58:33 Closing59:50 Outtakes

In this episode of Nuggets On The Go, Melvin Lim from PropertyLimBrothers explains how to determine when it’s the right time to switch to your Next Stronger Asset (NSA). With rising buyer interest and market shifts indicating a seller’s market ahead, the timing of your property moves becomes critical.   Find out the three mechanics behind making this decision: identifying current trends, assessing risk in your existing asset, and spotting real opportunity on the ground. Different stages of a property journey—starting out, expanding, consolidating, or preparing for retirement—call for different strategies. He also shares how frameworks like PLB Disparity Effect help spot underpriced opportunities and emphasises why holding onto the wrong asset may limit your future flexibility.   Need advice on planning a portfolio restructure or considering an upgrade? This sharing offers grounded perspectives to help chart your next strategic move.   00:00 Intro01:08 Action / Cost02:55 "When" framework03:29 Trends05:54 Risk11:44 Audience triangle12:22 Investment season14:22 Building healthy investment16:46 Strongest season of your investment life17:55 Opportunity23:00 Creating a liquidity event24:40 Closing25:10 Outtakes

In this episode of Nuggets On The Go, Melvin from PropertyLimBrothers presents a strategic update on the evolving Singapore property market, focusing on the shift into a sellers market from 2025 to 2027. As interest rates begin to trend downward, Melvin explains why a low interest rate environment will favour asset appreciation and increase buyer demand—ultimately strengthening the position of property owners. He also cautions against premature refinancing, predicting even lower rates ahead.   Learn how Melvin’s NSA (Next Stronger Asset) framework can help buyers and investors reposition wisely by upgrading from weaker to stronger assets. He also touches on the broader economic context—liquidity injections, potential Fed rate cuts, and capital flow from equities and crypto into real estate—painting a detailed picture of upcoming opportunities and risks.   If you're considering switching properties or building a portfolio in the current cycle, this episode offers grounded perspectives and timely strategy. An essential listen for those working through timing moves in a shifting market.   0:00 - Intro0:48 - Episode Outline0:53 - Important News in September1:27 - Mechanism for interest rate reduction2:04 - What Happens When There’s Injection of Money Supply in the Market?2:19 - M2 Money Supply3:17 - Interest Rate Cuts Forecast4:26 - Identifying Seller’s Market6:00 - Identifying Buyer’s Market6:36 - How To Switch Your Property in a Seller’s Market?8:19 - Explaining Next Stronger Asset9:41 - What To Do When Moving to the Next Stronger Asset?10:42 - What Might Happen to the Equities Market11:33 - Rates Cuts Relative to Property Price Index12:31 - Will New Cooling Measures Be Introduced?13:23 - Some Charts For You15:27 - Should I Be Worried About the Market Movements?16:50 - Final Thoughts

In this episode of NOTG, Melvin, Joan, and George from PropertyLimBrothers examine the URA Master Plan 2025 and its strategic implications across Singapore's evolving property zones. They break down critical updates in transformation areas like Bukit Timah's T City, Greater One-North, Newton-Patterson, and River Valley, while drawing tactical contrasts between 99-year leaseholds and freehold developments in CCR zones.   They also discuss the role of MRT connectivity in redefining fringe area value, analyse how developers are using quantum play and harmonisation to compete, and share perspectives on how identity corridors may shape urban culture. The conversation looks closely at how planning for infrastructure, density, and amenities intersect with MOAT Analysis and pricing disparity frameworks to guide smarter property journeys.   If you’re planning your next move or evaluating long-term strategy, this episode offers grounded perspectives you won’t want to miss.   00:00 Intro01:28 URA Masterplan change02:11 Identity Corridors03:46 Inner Ring04:40 George's father-in-law broke his hip06:05 Bukit Timah Turf City09:40 2025-2026 five year cycle11:10 Favourite CCR new launch15:33 3 classes of properties in CCR18:50 Melvin's favourite BBQ restaurant is gone19:20 Zyon Grand project23:30 Rivergate one of the best projects25:48 2030 Market in 99-year CCR projects27:17 Hitting a new quantum36:56 Greater One-North37:39 Newton & Paterson39:04 Defu41:13 Bukit Timah Turf City 15K - 20K private & public homes44:20 Bayshore Drive & Keppel Golf Course site49:28 Bishan Town Centre50:05 Mt Pleasant50:59 Tiong Bahru MRT station51:29 Riveria Punggol area51:59 More residential sites at Kallang road54:22 Tanjong Rhu & Guillemard Road56:12 Pasir Ris58:05 Telok Blangah58:25 Haw Par Villa58:40 Which area to buy?1:01:40 Pearl's Hill1:02:22 MRT line rankings1:02:58 Changi Airport Terminal 51:03:39 New cycling bridges1:04:15 URA exhibition1:08:55 Final thoughts1:12:32 Outtakes

In this episode of Nuggets On The Go, Melvin Lim and George Peng from PropertyLimBrothers break down the property strategies available to buyers in their late 40s — from stretching tenure for better cash flow, to deciding between consolidating into a landed home or maintaining two condominiums.   They explore the “equity triangle” framework, where age, debt, and equity interact to shape long-term financial outcomes, and unpack how lease reset analysis can reveal hidden pitfalls in older resale projects. The discussion also covers the harmonised layout effect, the strategic use of 2M1B for multi-generational planning, and the concept of a “reverse BTO” — securing a new HDB flat later in life for retirement convenience.   For those weighing growth versus preservation, the episode offers grounded perspectives on timing, loan sustainability, and exit planning. If you’re in your 40s or 50s and preparing for your final major property move, this is one to take notes on.   00:00 Intro01:20 George's most stressful deal07:44 What is "2M 1B"?10:00 Why is age important?12:30 Equity triangle18:33 Real estate investment is also DCA20:19 2 interest-rate cuts in September23:50 Resale market movement in the future27:03 Lease Reset Disparity31:00 Dual-income, no children investment case study35:30 Quantum disparity challenge36:55 What should be the gap for quantum? (New Launch & Resale)43:14 Future audience of the property you're going to sell48:33 Effect of TDSR50:03 Advice51:50 Landed property to be a dual-key53:00 Strategy for the case study58:58 What happens in repricing?1:02:49 Prioritising your happiness1:06:07 Outtakes

Denise Tan never imagined she’d stay with the same company for nearly three decades. But 27 years and nine roles later, she says it feels like time is a myth—because of how every chapter swiftly brought new challenges, new growth, and a deeper sense of purpose.   In this episode of NOTG, Melvin Lim sits down with Denise, now Head of Project and Built-in Business at BSH Home Appliances ASEAN. She shares how Gaggenau became the brand trusted by Michelin chefs and design-forward homeowners, what a six-digit GCB project taught her about human connection, and why future-proofing your kitchen is really about future-proofing your life.   Denise offers an honest look at resilience, reinvention, and choosing growth—even when it’s uncomfortable. If you’ve ever wondered how someone builds a lasting career without burning out—or how luxury brands stay rooted in authenticity—this conversation is your answer. Tune in to hear the story behind the brand, and the woman behind the story.   00:00 Introduction00:57 27 years work experience in BSH Home Appliances ASEAN02:40 Brands in BSH Home Appliances ASEAN group05:05 Competition in the industry08:08 First role in BSH Home Appliances ASEAN11:46 In charge of Bosch & Gaggenau14:40 Direct to consumer approach18:30 Ideas for innovation & partnership22:55 Why are there a lot of Michelin chef love to partner with BSH Home Appliances ASEAN?28:40 Largest amount a home owner spent for the brand33:00 Advice for landed buyers that are doing A&A38:00 Hand picking retailers42:00 Advice for career growth50:47 From specialist to being a leader56:05 What do you need right now more than anything?1:00:57 What is one thing you didn't know about your current career when you first started?1:05:40 Closing1:07:03 Outtakes

With rising home prices and limited eligibility pathways, single professionals in Singapore are facing tougher property decisions than ever. In this episode of Nuggets on the Go, Melvin Lim, Joan, and Yong Zhun from PropertyLimBrothers discuss the case of Darren, a 32-year-old earning $10,000 a month, who’s considering whether to commit to a $1.5M condo—or wait until 35 to qualify for a resale HDB.   They dissect the feasibility of buying a 1-bedroom condo and comparing potential returns from OCR and RCR properties. They also weigh in on alternative strategies like REITs and what it means to tie up capital for the long term.   For singles who are financially ready but unsure about timing. If you’ve ever asked yourself, “Should I buy now or wait?“, this episode’s for you.   00:00 Introduction01:10 Is '4' a good number for real estate04:08 Episode 1 & 2 recap04:28 Single Buyer profile (32 years old)06:41 New Launch advantages07:59 Strategies10:45 Co-investing in a commercial/industrial property11:39 Which strategy to take14:49 Will you pay ABSD as a single?16:53 Wait till 35 y/o to buy a resale property21:00 How much can Darren afford?25:27 Options31:40 Passive income option34:30 Liquidity event36:05 Residencial and Industrial property route39:24 Better capital appreciation for industrial properties40:07 Performance of industrial properties42:20 $1,000,000 can buy an 1-bedder?46:00 1-Bed / 2-Bed 1-Bath / 2-Bed 2-Bath Comparison49:55 Next Stronger Asset53:16 Key things to take note for your property loan55:24 Part 2 topics56:28 Outtakes

Planning to buy a condo in 2025? Don’t just compare PSF and assume it’s a good deal. In this episode of NOTG, Melvin Lim from PropertyLimBrothers defines 3 condo-buying frameworks that help condo-hunters make sense of why some new launch and resale prices.   Understand why some resale units are now asking north of $2,200 PSF—the same range as new launches—and what that really means when lease balance, renovation costs, and exit potential is factored in. With more OCR and RCR projects hitting the market, including first-mover launches like Springleaf Residence, it’s becoming trickier to tell what’s actually worth buying.   Sitting on the fence between resale and new launch? The difference lies in how each holds value over time—not what it costs today. Before making an offer, running it through these frameworks could reveal risks or upside that aren’t immediately obvious—and potentially prevent costly mistakes.   00:00 Introduction02:40 5 year cycle05:30 TOP Effect07:40 No COV08:44 3rd Exit Audience09:31 Popular with tenants09:51 New Design & Low renovation cost10:21 Progressive payment11:11 SSD / Black out period14:00 Brand new lease16:00 1 year delayed installment16:18 Defect Warranty16:43 1st Mover Advantage18:49 Caveat Emptor - What you see is what you get19:10 Summary19:36 2 Types of Disparity Effect Strategy25:40 2025 | Abnormal inflation to future price expectations by resale sellers27:00 2028 | Real estate market prediction27:25 Closing words28:00 Outtakes

When Aiken Chia former company infamously broke up, he also lost the platform he spent years building. No channel, no team, zero subscribers—just the weight of starting over from scratch. But right when everything felt like it was falling apart, one unexpected brand deal came through—and became the catalyst for a complete reinvention.   In this episode of NOTG, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers, sits down with Aiken to uncover his untold story behind that pivotal moment, how a Tokyo trip reignited his passion, and why he is now able to prioritise purpose over profit. Learn about the realities of surviving and thriving as a content creator in Singapore.   00:00 Introduction01:15 Content creator economy04:40 Not giving up on your dream06:41 Learning to spend money12:11 Content creator profit margin14:41 AI content creators takeover16:40 Target audience18:50 Standing out in the content creating space20:00 Monetisation from zero followers25:01 Starting a talent management company26:56 Social media platform of choice32:33 Being a content creator in your 40s34:45 Algorithm vs Doing things you like38:20 Giving up being a content creator42:33 Managing the team48:28 If Aiken Chia have a journal52:21 What job will Aiken Chia take if he quits being a content creator?56:40 Starting a new business58:04 What is one goal Aiken Chia set for himself?59:30 Closing59:55 Outtakes

Jason and Elaine bought their Bartley Ridge condo in 2013 for $1.665 mil. Today, it’s worth around $2.7 mil—a gain of over $1.1 mil on paper. They’re in their mid-40s, their kids are growing, and their mortgage is a manageable $4.9K a month. On the surface, everything seems stable. But when a property has already delivered this level of upside, the real question becomes: has it already fulfilled its role? And if it has—what’s the best next move?   In this episode, Melvin, Jesley, and Jun Wei from PropertyLimBrothers walk through six possible directions this couple could take. Understand the options as they analyse the numbers, trade-offs, and long-term implications of each route. For those who entered the private market a decade ago and are now sitting on significant equity, just like Jason and Elaine, this episode offers a rare lens into what that capital can still unlock. Not every property needs to be sold, but every profitable one deserves to be re-evaluated—before the next window closes.   00:00 Intro01:24 Recap03:50 NOTG new setup04:41 Autumn Season Profile Strategy06:50 Do-Nothing Strategy15:47 Knowledge if you want to get into investing stocks17:08 Looking at investing in real estate23:22 Human behaviours for the stock market24:18 Jesley's property investment nightmare31:02 Next stronger asset32:10 Decouple, rent out, and buy a new condo strategy47:08 Melvin forces his employees to buy a property52:44 Pivot Play Strategy1:02:55 Parent 10% income tax1:05:40 Sell current property & buy HDB Strategy1:14:58 Presenters recommendation1:17:16 Jun Wei did a lot of work for Symphony Suites1:22:00 Closing1:22:16 Outtakes

00:00 Intro01:30 Profile preview / AI Picture02:40 Background04:36 Financial Snapshot05:50 Pros & Cons using CPF08:17 Knowing your maximum budget11:15 99-1 property scheme14:26 Impact of tariffs16:50 Stretch tenure20:41 Showing funds to stretch the long amount23:44 "Stretch tenure" meaning27:30 Paying more interest if you do not stretch tenure30:44 How much you should earn per month to own two properties?32:35 Depending more on Active Income36:59 $12K per month ENOUGH?!39:43 Taking risk to own two properties41:30 $4.2M, what will you buy?46:08 Financial breakdown before buying a landed property50:45 Donald Trump impression51:02 Closing words51:30 Outtakes