In this episode, we have this audience who's asking whether should he use up all his savings plus EPF plus other insurance policies for one subsale property as his home.  

In my opinion, it really depends on your intent on the property, risk appetite, and your career. I would buy an investment unit, immediately use the rental income to qualify myself for the next new property and fully use up my quota of 90% margins.  

That would only make sense if I'm aggressive. But if you're laid back and you're comfortable with employment. Then this arrangement should be sensible as you have certainty for your income.  

However, an important note would be to ensure the rental can cover at least 80% of the instalment.