Real people.
Real decisions.
Clear outcomes.
From One HDB to Two Assets
How Gavin and His Sister Unlocked a Family Legacy for Passive Income
A Legacy Home in Serangoon:
The Starting Point
After years in their childhood home, Gavin and his family felt the only way to unlock cash was to sell and move into a smaller, cheaper HDB.
With Gavin reaching 35 and his sister turning 32, they knew they were now eligible for new property moves, but they were prepared to sacrifice space for liquidity because they didn’t know a "sell one, buy two" strategy can work for them.
Despite his sister’s ability to secure a property loan, they remained stuck on the idea of a simple downgrade.
Confused by the rules and unsure of how to maximize their new eligibility,
they realized they needed clarity.
Navigating High Stakes
and Hidden Rules
While Gavin was motivated to lead this transition, he found the prospect of managing multiple transactions daunting.
From avoiding Cash Over Valuation (COV) in a peak market to balancing a renovation budget and coordinating his sister’s loan, the moving parts were overwhelming.
The family was caught between a desire for financial freedom and the fear of making a wrong move.
They needed guidance to see beyond a simple downsize and understand how to navigate the property market seamlessly.
Precision Planning: Selling High Without Sacrificing Space
We stepped in to show the family a fresh perspective: they could unlock cash without compromising their lifestyle.
By identifying that the market was at an all-time high, we helped them maximize the exit of their parents' flat.
We successfully managed the sale of the 5-room HDB for $760,000.
To keep the family in a familiar area, we secured a comparable 5-room unit nearby for $725,000.
This move was a strategic win; by securing a unit without COV, we preserved their cash proceeds, ensuring Gavin and his mother had a beautiful, renovated home while keeping capital ready for the next step.
Stability First:
A Seamless Move for the Family
During the transition, our focus was on ensuring the family’s daily life remained undisturbed.
We meticulously coordinated the timelines between the sale of the old home and the purchase of the new one.
This allowed the family to move directly into their newly renovated space without the stress of temporary housing.
With the home base settled, we were finally in a position to activate the sister's investment potential.
Strategic Investment: Activating a Second Stream of Wealth
With the family home secured, we shifted our focus to maximizing the family's borrowing power. Instead of letting the sister’s income go underutilized, we helped her leverage her financial capacity to secure a private property loan.
Using our 15-step selection framework, we filtered the market for a "safest buy" that balanced low entry risk with high rental demand.
The data led us to The Florence Residences.
Despite a fast-moving market where units were being snapped up quickly, we helped her secure a one-bedroom unit for $805,000.
By securing an attractive entry price, we turned her loan eligibility into a performing asset, priming the property for both high rental yield and a healthy capital growth runway.
A Legacy Transformed:
Lifestyle Meets Passive Income
Gavin and his family have successfully moved from a "downgrading" mindset to a wealth-building reality.
They didn't just unlock cash; they multiplied their assets.
Today, they are settled in a renovated home while enjoying a steady stream of passive income from a private property investment.
Asset Growth: One old HDB transformed into two high-performing assets.
Passive Income: The sister’s unit is now a rental asset, contributing to the family's monthly cash flow.
Future-Proofed: They are now positioned to benefit from capital appreciation in both the public and private property sectors.
Different people.
Different decisions.
The same clarity.
What changes is the situation.
What stays is how we guide.
We do not optimize for transactions.
We optimize for decisions people can stand by.
