In this episode, I will address the concerns of an individual who is planning for her future and she wonder how I would do it.  I always believe to not splurge in the first property (similar to previous episode) and to get investment property early where the installment can be covered by rental. This will allow a good DSR for the next loan application.  Then fast forward 15-20 years later, she will have 2 properties while still renting the same place if you choose to.