Any Singaporean retiree or not, dreamt of acquiring multiple real estate properties, either for personal or investment purposes but in the real score, how many are able to achieve it? And why so difficult to realize such goal?

Often, the majority of the Singaporeans after long years of being thrifty and pushing the limit to save some bucks, at long last you can drop a down payment for your dream home, Congratulations, and welcome to the club of debtors!

You are now officially enrolled in the school of debtors for life! It would likely be difficult to spare some amount to deposit for the incoming properties in the future because you are now entangled with your new first mortgage.

Those dreams are shattered and the factor that worsens the scenario are the requirements for cooling measures.

To kick-start this journey,  some options I want to share. For starters, I am recommending a system that is called “Dual key unit.”

How do we define a dual-key unit?

This system was shared in real estate world way back 2009. Dual-key units mean two homes sharing only one entrance in getting inside their specific home, which means there is only one main door, one hallway and one title for the two homes.

Often seen in a studio attached to 3- or 4-bedroom unit. There are different ways where the amenities becomes so advantageous to the homeowners. Let us cite some concrete examples.

Dual key


Case  1: Without sacrificing the privacy, parents or other relatives can stay together with the newly -wed couple.

Letting the parents stay with you offers a lot of benefits especially if the new couple are planning to have children. The best nannies in the world are our own parents, guaranteed little ones will be safe both physically, emotionally and spiritually just like the way, you turned out to be. Plus, the joy that your parents were experiencing, it’s priceless and even therapeutic.

Another advantage is you will never have an empty stomach when at home, hearty and warm cooked food always welcomes you after a long day at your office. Also, no room for worries to the parents who lived alone in their own respective homes.

Aside from that, financial benefits are to be considered, the homes of your parents can be leased thus this can be a good source of income. In case the rental is enough and good then there is a chance to share with you and help you with your monthly amortization. A win-win to everyone!

Case 2: Couples whom having kids is not a priority, a bachelorette or bachelor or living alone.

Living alone or with someone, a studio is somewhat enough and you may rent out the 3- or 4-bedroom unit. It is expected that a bigger area home yields a greater rental income that somehow can cover your whole monthly mortgage amortization.

In next years to come, when a big home is already a need in cases when there are incoming additions to the family, you can transfer to other homes and let your area be rented.


Case 3:  Currently living with parents could give you a chance to look for more investment property while maintaining ongoing arrangement.

Why search for more investment property when having two is a chance?

Not precisely two properties but with lesser premium, you own a studio plus a 3- or 4-bedroom unit minus the ABDS or the Additional Buyer’s Stamp Duty.


Why Dual-key considered a unit ideal?

  • It requires no ABSD because it is under a single title.
  • Offers flexible planning ahead.
  • With the rental income you are able to collect from your first unit property this somehow can improve cash flow and budget planning perhaps for the next second property such as Dual -Key unit. Rental income might suffice the whole monthly mortgage amortization, even can be the next factor to purchase the second property.

    Because of the strong desire of the investors and due to the fact that they are recent, Dual-key units ends up with a special price. But this weighs less because of the boosted return revenue it offers.

    Lastly, don’t forget to check always your financial status and make sure it is within your financial capability prior to investing a new property development.