frankly... i think ppl here in property thread din really know your past though... what rumours u had in here... lol... what i mean is your statement just too safe and too prudence in any case... there's not much investment that can give you good return when your risk appetite is this low...

6 figures a year e.g 100k per year is really nothing in this kind of time... just ask yourself whether you work hard or not for that goal... and i dont feel that they are insulting u though... some here already went thru economic crisis with few properties in hand safely without earning as much as you thought... if you really smart in playing the game... even with just 4k income per month... u also can join the game...