While you procrastinate until your 40s or even 50s to buy a single house.

I already fully paid my 1st house when I was 36. The second one just finish paid end if last month(Im 43 this year)

Looks like you have an issue with delayed gratification. But I will tell you from 20s u til mid 30s my life is really on shoestring budget most of the time. Totally no expensive oversea vacation.

Only when my age 37 onwards do I start to enjoy more.

Of course. I pay lesser interest. The rental
Income i dont have to offest with bank instalments anymore.

Every year when I have extra cash i will dump
Into the loan account and instruct bank to deduct the amoint to reduce the principled amount owed.

Every few years apply epf account 2 lump sum trsfr to bank loan. Deduct principle amount.

The 2nd props in fact I pay around double the monthly instalment amount the last 3-4 years before using almost rm40k epf account 2 to almost fully settle the loan principle amount.