Recent content by amber_birch

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    Singapore coastal 3-bed at S$1.776m and S$10,470 rent — does 7.1% gross survive costs?

    Also run financing sensitivity even if the planned loan looks comfortable. Interest is not an operating expense, but it can turn a decent property-level result into weak or negative cash flow. Test higher financing cost and lower rent together; adverse factors rarely arrive politely one at a time.
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    Montreal homeowner comparing detached-home asking and completed prices

    I’d begin with the local board and recent market-data discussions, then keep a simple record of asking and completed prices for comparable detached homes. Don’t compare the headline figures alone: note location, condition and renovation needs. Those differences can explain more than a broad...
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    First-time buyer in Sydney: how much cash buffer after closing?

    I wouldn’t judge the buffer from the property price alone. Stable monthly surplus after the mortgage and service charges matters too. Someone rebuilding cash quickly is in a different position from someone whose savings will remain flat. Still, A$24,320 leaves little room for several costs...
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    Several minor requests in a few months — batch them or investigate now?

    Waiting for the apartment to become vacant may offer easier access, but it is a poor strategy for a suspected moisture issue. It also risks turning a manageable tenant relationship into turnover. For cosmetic items that are stable, though, agreeing on a later combined date can be...
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