Yep, for me landed is only for own stay. Will never buy for investment since rental is crap and difficult to manage....if I have the liquid cash sitting I rather put it into American stock markets for both dividends and appreciation.

Most if not all bought with bank loan, price rise below loan interest incurred is financial losses. If price stagnant for 4 years mean loss could equivalent to about 15% of house value.

How much accumulated loan interest one would typically incurred over a 4 years period?

How many investors actually look at at least 20 properties in the vicinity, survey on current market prices, rental rates, resale value, the duration of resale, study the owner and tenant profiles etc before deciding to buy?

Many failed to realize loan interest incurred is cost, and leverage amplify profits as well as losses.

How much down payment (non loan) you put down?

is your bank loan LTV100 or LTV70 or lower?

to fully furnished the apartments, the value of cash output no financial cost?????

its a false economics, syiok sendiri to look at figures to suit what you want to see.

Landed freehold ones rarely ever drop in price. Even bank valuations for them keep going up year on year. However their prices have been stagnant or risen below inflation for the last couple of years especially at the more "atas" areas.

Leasehold ones will drop due to bank valuation, banks will start taking into account the land it sits on isn't worth as much any longer. Starts right around the 15 year mark or so.

In future most proper KL, PJ and Subang landed properties would only go up in price as no new ones are being built.

I won't touch any of them though, cost too much to buy, too much to renovate and too much to hold as difficult for rental to cover even a 50%LTV mortgage.
5-6% on a 90%LTV
Why some investors make it? Groundwork and homework.

No shortcuts when it comes to property investments.

At 4% p.a loan interest rate and 30 years tenure?

Not for the courts.
Been offered Rm10-20k before.

I don't believe any local authority or stat is allowing you to renew 99 years.

Also I don't think there are any states that are renewing leases until it is at the end of the lease, therefore if you are 40 years into a 99 year lease it will still be a while away before you could even discuss the matter.

Oh yeah and it isn't going to be cheap plus must have cash to do so.
Depends on the local authority or state.

Private strata leasehold buildings, oldest are around 50 years, still a while to go to reach that 99 years.

Many of those individual homes if renewed they will only renew it if you are the original owner or children of the original owner.

Siu dai comment abit on this issue. This is real cases for EM yah. Usually state government renew back the original lease for you. If 99 years, they will renew it to 99 years. If 60 years, they will renew it to 60 years. Usually that is the case. Unless there are some government policy change or that area has become urban area, then 99 years they will chop to be renewed at 60 years. And 60 years to be 30 years. More income from premium for the future.

Usually can start to apply for renewal when the lease is less than 10-20 years. So far many if not all 99 years belum lagi expire lah. Those 60 years have been renewed to 60 years.

They bought at 850k the house 15 years ago. Sold at 1.44M in lelong. 1st auction at 2.4M.
Well at this property segment, it is completely normal. Yes, make sense this lelong transacted price + owner still staying unit.
After paying for 15 years, loan amount left 800k? Sold at 1.44M. Deduct all cost 100k maybe? They still got surplus money out of this auction. Take and find another house back at kampung to settle down.

Actually 9 out of 10 owner with house kena lelong will give the same reason that they did not know it. Bank did not inform. Salah rumah. Salah bank. Is the usual reason given.
Bank is not "along" unregistered company. Bank cannot simply lelong or komplot with the buyer. Got legal process bank need to follow, obtain court order, etc. Yes part of the process is informing via snail mail.
1st auction will be at bank valuation (or just slightly below), done by the bank appointed valuer. Every time no taker, the price will drop 10% and re-auction at next round. For this unit, of course already dropped price many rounds.

Okay found the house: https://www.lelongtips.com.my/property/5518...r-for-RM1440000

Previous Auction(s) for this property
Auction Date  Price
9. 2018-08-13  RM1,440,000.00 - finally got ppl willing to buy! congrats!
8. 2018-05-02  RM1,440,000.00 - no bidder. price maintain. bank decided not to drop price.
7. 2017-12-18  RM1,600,000.00 - still no bidder.
6. 2017-11-13  RM1,600,000.00 - no bidder. bank decided not to drop price.
5. 2017-08-09  RM1,749,600.00
4. 2017-05-09  RM1,944,000.00
3.
2.
1st auction at 2.4M in 2016.

After 9 rounds of auction since 2016. Takkan still dont know or not aware of house kena lelong. Even the bank decided to maintain price at 1.6M for 2 rounds and 1.44M for 2 rounds.
Once they missed their payment. The effective interest rate wont remain the same anymore. From 4% can go up to 10+%.

Whether bank will drop 10% on next round is depending on priority; whether the speed or value of recovery is more important.