Want to share my exp and future plans

im 27. Started working in 2010. Bought 1st prop in late 2010 at 270k. 10% dp borrowed from papa. Paid within 3yrs using company bonus. Now staying in the unit.

bought 2nd prop at 220k in mid 2011. 0 dp after 10% rebate with DIBS. just got vp last month and under reno for rent out.

now securing another unit at 350k using company loan. MOF is 100%. Dev offer early bid rebates so i'll get 35k once disbursed.

im refinancing the 1st prop at 400k so got abt 110k cash out. Still within lockin period but coz now BNM announce new rules so i better refinance fast or else tenure is 10yrs only.

total cash in hand 145k. Plan to buy a subsale abt 200k with good yields (mentari court? Flora damansara? Lagoon perdana? Pelangi damansara?). Need 30% dp this time so ard 70k inc legal.

left 80k will put in several vehicle like gold, unit trust, etc. This amount also served as emergency fund to help my holding power when no tenants.

so taikor taijee any better way to improve my plans? Esp on the subsale part. Any other better yields unit?

thanks in advance

put in loan acc will gain 4.3% p.a..looking for something higher (at least 7-8% p.a)

agreed on the double edge sword..

I believe can. 5k may just the basic income. Rent out the 1st two property to generate more side income wil do. Or purchase the property w tenancy also help. Many ways..