The first 2 properties you can get 90% but as taking more units, it will be classifed as investment thus your margin reduced to say 70 ~ 80%.

Inherent risk : reduced loan margin & rental income from tenants.

I highly doubt there would be a banker financing such escapades of acquiring say.. 10 units of house for rental if the income (main source) is unable to sustain the loss of rental.

Repayment : RM 750 x 10 = RM 7,500 p.m.
Rental : RM 750 x 10 = RM 7,500 p.m.

If Income is say. RM 3,000 p.m. still unlikely to get all 10 units. Besides there is lower margin of financing to consider.

That is why commercial unit would be better bet if you rented out to say..Pizza Hut or some other notable companies. Bank can consider assignment of rental proceeds to hedge the risk of non-payment.

Still RM 3K vs RM 1.5 M loan ?

jasonhanjk - yes, lucky.

arthurlwf - the pre-requisite requirement for house financing is dependent to the Financier's risk management. There is words in the street that certain Bank right now is agressively acquiring cases. But basically it is repayment 30% against gross income.