Good job getting >10m portfolio. But going to work in singapore purely just to get this done requires a lot of willpower. Anyway, it doesnt matter how much his loan is, as long as he earns sufficiently to cover this, this is not an issue. Quite sure he is doing well closing deals since he can quit his day job. How much he gets from positive cash flow from rental is irrelevant. Most seasoned investors dont play the +ve cashflow game. Its more the capital gain which is important.

anyway, can share if he has cashed out of any property? Not refin but sold? and how much of this portfolio is shared with JV partners? Sharing with gf no need to count la. thank you.