How to Build RM1.224 Mill Property in 10 Years

What if you could build a property portfolio that generates RM1.224 million in annual cash flow without mortgage debt?

The strategy is to purchase two properties every year for 10 years, building a portfolio of 20 properties. At the end of the 10-year period, sell 10 properties and use the net proceeds to pay off the mortgages on the remaining 10.

The ultimate goal is to own 10 debt-free properties, each generating an average of RM122,400 per year in net cash flow.

That would give you:

• RM1,224,000 per year in net cash flow.
• RM102,000 per month in net cash flow.
• 10 debt-free properties generating rental income.

How Does It Work?

1. Years 1–10: Buy two properties every year until you own 20 properties.
2. After Year 10: Sell 10 properties and use the proceeds to clear the outstanding debt on the remaining 10.
3. Long-term goal: Keep the 10 debt-free properties and collect rental income without mortgage payments.

Use the interactive calculator below to adjust property prices, rental income, outstanding loans and selling costs to see whether this strategy could work for your investment goals.

Important: This is an investment strategy, not a guaranteed result. The sale proceeds must be sufficient to clear the remaining mortgages, and the rental income target depends on actual property performance and operating expenses.