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I would compare five-year cash flow rather than year one alone. Put regular management charges, insurance, utilities and routine maintenance in one column, then add separate allowances for vacancy and major works. The townhouse’s lower monthly overhead could be misleading if one repair wipes out...

Because this is a retail unit, I would expect the initial questions to cover current occupation, any tenancy, intended use and the borrower’s financial position. A broker offering a confident outcome before understanding those points would concern me. The useful service starts with identifying...

I’m less convinced that listing imports should lead the decision. They can move errors faster as well as data, especially when fields differ between countries. I would start with document versioning and transaction updates, where a clear current version and audit trail reduce ambiguity. For...

Annual rent is HK$305,640, so there is not a huge cushion between 4.4% gross and a disappointing net result. I’d be most suspicious of turnover costs and irregular building work rather than routine management. A vacant period plus preparation for the next tenant can consume several months of...

Before debating an acceptable yield, are the price and rent actually for the same unit and on comparable terms? Is HK$12,470 supported by a current tenancy or only an agent’s estimate? Also establish why a 3-bed is available for HK$1,716,000: condition, tenure, title, occupancy or restrictions...