Guess this is a trolling thread. Prop has increased so much in the last 4 years. hard to comprehend a mere 22% appreciation for a condo.

Appreciate other members don't reply for TS, see whether he can answer 

Me chinaman, look at cashflow only. How much money you come out when you buy ? include all cost like lawyer, etc

How much you paid to bank during 4 years ? Also expenses like quit rent, assessment, maintenance fees

How much you receive when you sell the house ? (after pay back to bank, lawyer, agent fee, RPGT etc)

Subtract all your cost against what you receive, then you know you make profit or not

Do update us after you have calculated 

Acquisition price = RM450K
Disposal price = RM550K
Cash = RM45K (assume)
Loan = RM405K

Acquisition Cost :-
1. Legal fees + disbursement (SPA 450K) = RM3,700 (inc 6% GST and 30% dis))
2. Stamp Duty (MOT) = RM8,000
3. Legal fees + disbursement (Loan 405K) = RM3,700 (inc 6% GST and 30% dis)
4. Stamping fees (Loan Agreement) = RM2,025
5. Processing fees = RM150
6. Valuation fees = RM900

Disposal Cost :-
1. Legal fees + disbursement (SPA 550K) = RM1,000  (assuming you do not appoint lawyer)
2. Agent professional fees = RM11,660 (inc 6% GST)
3. RPGT = RM7,500
4. Bank total interest = RM69,355

Other hidden cost :-
1. Renovation cost = RM20,000 (for fixture items only, you can't reimburse)
2. Cash 45K FD rate = RM5,400
3. Quit rent = RM120
4. Assessment = RM6,000

** Early settlement penalty - Any??

Grand Total = RM132,010
You stays for 4 years free, assuming the rental for fully furnished is RM1,800, then you earn (or save rental of) 86,400
Profit / loss = RM (550,000 - 450,000 - 132,010 + 86,400) = RM54,390

My calculation

Cashflow out = RM45000
Acquisition cost = RM3700 + RM8000 + RM3700 + RM2025 + RM150 + RM900 = RM18475
Disposal cost = RM1000 + RM11660 + RM7500 = RM20160
Staying cost = RM20000 + RM120 + RM6000 = RM26120
Bank installment = RM2000 x 48 = RM96000

Total cashflow out = RM205755 ~ RM206000

Sales proceed = RM550000
Loan balance after 4 years (interest rate 4.3% 30 year loan) = RM376000
Net cashflow in = RM174000

Profit/Loss = RM174000 - RM206000 = -RM32000 loss

Very bad investment especially if bought just 4 years ago at the start of property boom like bro 661188 said. TS can only blame his bad luck if this is really a true case study. Sounds more like a Finance 101 exam question to me 

Have you sold your unit? As mentioned by sifu here, COCR is negative wor. Upgrade to a new one?

Looks like a very small profit maybe loss.
Why never try to sell for higher price?

I see... all the best bro. But rental play doesnt work there? Mind to share your location?