Question is how much more than the loan u can cover.
I'd be surprised if cannot cover loan.

Chia, you bought into the property not knowing which main markets you would rent to?
I can assure you its not retirees.

@Iceman
Well its not always so clear cut. Off the top of my head:
1) Capital. Not everyone can save it. I took 2 yrs of savings to get it after paying for my car which took 2 yrs before that. 
2) Risk. Developer lari, shitty quality, gas pipe next to us explode, property market crash etc etc. 
3) Opportunity cost. Some can make more money with the deposit in the last 3 years compared to hyve. Its very possible. 
4) Fixed asset. Some dont want fixed assets, for many many reasons.
5) Blacklist/bankrupt etc. Owners like us suffer cos of these people. 
Anyone got any other reasons to share? Would be interesting to know of other scenarios.