Im planning to buy a rm 280k 3 bedroom 2 bathroom condo early of 2021.
I need some advice in term of which route to take in term of payment.
Let say im having around rm100k of cash/liquid asset.
1  low cost apartment with market value of around rm150k. Rental would be around rm 700 per month.
Below are some of the payment  route that im thinking off:

1) pay 10% down + 30 year loan. Instalment are covered by renting out the apartment+ one of the room for the condominium.

2) pay 10% down + 10 year loan. Instalment are covered by renting out the apartment+ one of the room for the condominium+ topping up some of my money.

3) pay 10% down + 30 year loan. Sell the apartment + using my cash equivelant paying off more than what the installment actually needs.

4) is it worth to take a markup loan?

Im more incline towards finish off debt as soon as possible and use the net income to invest in etf such as stashaway personally.
Need some external opinion input in term of pros and cons so that i wont screw up this major purchase.

The apartment fully paid up ? If it's fully paid up than should refinance the apartment as the first step becos you are paying full tax on the Rm 8,400 rental income . Than second step only think how you plan to finance your 280k purchase . With Flexi loan you dont have to worry about whether to take 30 years or 10 years loan . Just take the maximum tenure you are Able to obtain .

Im planning to buy a rm 280k 3 bedroom 2 bathroom condo early of 2021.
I need some advice in term of which route to take in term of payment.