dvinez,

You may want to aim at properties with higher than RM900 monthly rental, if your intention is to enjoy rental yield for longer term rather than flipping the property for capital gain.

A good rental yield, your collected rental should at least be enough to pay for installment to bank, maintenance fees, assessment fees, insurance, etc... and at least still give you RM100/RM200 pocket money, then it's worth considering.

Online calculator may be using your current BLR - x.x rate to calculate the expected installment, no guarantee that the BLR will not move upwards, and you will be dipping into more negative monthly cashflows.

What I meant was stick to the RM200k price tag for your condo/house, but try till you get a unit that can give you at least the rental sufficiently high to cover all costs and still give you positive cashflows, ie. one rent for RM900, another rent for RM1.5k, both cost price RM200k. If you get something that is just ngam ngam or giving negative cashflows, you will think you can afford since your monthly salary can tahan, but what if you lose your job or the BLR move against you, you will see yourself bleeding too fast to hang on the the property. A note, most likely condo will give you higher chance of positive cashflows.

If you cannot afford the downpayment, suggest you keep saving up and keep your eyes open and slowly search for the golden opportunity. Plenty of house/condo for sale all the time, not all worth buying, and those worth buying will be gone within days.

Read more, do more research, educate yourself before jumping into big debts. make sure you know the rules of the game before even beginning with it.