err ...in general u r in good shape woh, assuming all the things you said in paragraph 1 is true. The only things we can help you is to question about your paragraph 1 only.

just make sure no one die if all these did not work out, for example, your properties worth 50% for the next 5-8 years and you cann't sell it, make sure no one die out of that situation, then ok lor. Coz you are young and just make sure you can rebounce back in every down turn ...

I also write some fundamental about property in my blog this morning, you may also comment if that suits you too, click here to read