Income capability can be packaged actually, by proving through 6 months statements.

Many savvy investors transfer their properties into Investment Holding Companies and cash out from there @ 60% to purchase commercial property that generates higher yields.

The cash out values is much higher, if the equities (market value minus outstanding loan amounts) appreciates over time.

Meanwhile, free out quotas seeing from personal CCRIS and unblock restriction of 70% DP, to optimize financial leverage.