In today’s market you can rent much2 cheaper than mortgage, even lower than mortgage interest payment.. if you know where to look, 2mm house can rent for 5-6k..

e.g. 2mm house mortgage installment ~12k over 20 years, rental 7k.. The 5k difference can invest in other assets with possible better returns / better liquidity

Maintainance (eg pipe rosak, atap bocor, autogate rosak etc), cukai tanah etc landlord settle .. of course depends on luck getting good landlord lah