who is Dato Vince? Lol... sorry my ignorant.

what type of investment you want- risky with high return?
or safe with low return....

Property... doubt it is worth it to invest anymore. Rental can never cover installment, unless you are lucky. Even best case when if break even.

then need to top up maintenance fee
cukai tanah chukai pintu.
some maintenance.

then when tenant exit- then need to find new tenant, might lost 1-2 month of idle time ( or worse 5-6 month)
and also 1 month commission to agent....

yes- tenant help u pay installment... that is a long game la, 20 years?
after 20 years.. condo wear and tear, not sure how much more your unit will be worth. Especially now a days so many other condo being built.

Perhaps shoplot a safer bet. that also depends a lot to luck.
One row might be prosper with a lot of foot traffic, while your row could be turn into car workshop that stop others to come.