Property investment · David & Audrie
A second property in Singapore means ABSD of 20% or more, a smaller loan and a longer hold. We run the full numbers with you, and the exit, before you commit. If they don't work, we'll tell you.
Free and no obligation. You leave knowing what you can buy, the ABSD and holding costs, and a shortlist tested on location, entry price and exit.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
What families tell us
“20% ABSD before we've earned a single dollar. Does this still make sense?”
On a $1,800,000 condo, that's $360,000 gone on day one. The property has to rise that much just to get you back to where you started.
Work out your stamp duty →“The brochure says 3.5%. After the mortgage, we'd be topping up every month.”
A gross yield of around 3% rarely covers the instalment, property tax of 12% to 36% of annual value, maintenance and vacancy. Know your monthly top-up before you sign.
Read: growth vs yield, worked out →“What if our tenant leaves and the unit sits empty for three months?”
Thousands of new private homes are due to complete in the coming years, and tenants will have choice. Whether your unit rents is decided on the day you buy it.
Read: rentability →“We know how to buy. We have no idea who will buy it from us.”
Every exit needs a buyer. If you can't describe yours, the property is a bet, not an investment.
Read: plan your exit first →Recognise one of these? Tell us where you are, and we'll work out your numbers with you.
Free and no obligation. You leave knowing what you can buy, the ABSD and holding costs, and a shortlist tested on location, entry price and exit.
Not ready to talk yet? Get the free Property Decision Checklist →
Right now
A promising launch, a brochure yield and a gut feel.
Where you want to be
Your all-in cost, a realistic yield, and who buys it from you, and when.
The system from our book
Three frameworks, one decision system. Together they change the question from “What should we buy?” to “Does this move support the life we're planning?”
01
The why
Wealth Accumulation Towards Early Retirement
Property as a tool for long-term freedom, not a trophy. Every move is planned backwards from the life you want in 10 to 20 years.
Why it matters: Without a clear why, the biggest purchase of your life gets decided by a showflat.
Explore W.A.T.E.R →02
The how and when
Clarity · List options · Evaluate · Align · Reinforce
Five steps from clarity on your finances, goals, needs and choices to a decision you can explain to your family.
Why it matters: It keeps urgency, FOMO and pride from making the call, and it's how we know when to say “not yet”.
Explore C.L.E.A.R →03
The what
Location · Entry price · eXit
Every property is tested on where it is, what you pay against comparable homes, and who will buy it from you one day.
Why it matters: Most losses are locked in on the day you buy. L.E.X checks the exit before the entry.
Explore L.E.X →A property should earn its place in your plan.
The L.E.X method
We publish L.E.X reviews of new launches, so you can see the method at work before you talk to us.
Your plan, on your numbers, step by step.
Get a free Clarity SessionWho wants to live there, and will that still be true in ten years? Transport, jobs, schools and future supply.
What you pay against recent transactions nearby, with ABSD, BSD, legal fees and financing counted in the real cost.
Who buys it from you, at what price, and when. If we can't name the likely next buyer, we won't recommend it.
Testimonials
David & Audrie helped us rent out our unit within a week, and even assisted with tenant issues months into the lease. They're professional, patient and proactive.
Jonathan
Landlord, D15 2-bedroom condo
“I always thought I had to wait till 65 to retire. Thanks to the W.A.T.E.R concept, we now have two rental properties and are planning our early retirement at 55.”
Raymond & Elaine
Portfolio investors, 40s
“If you need property agents who truly care, look no further than David & Audrie Properties. Their professionalism is top-notch, but what stood out most to me was their friendliness. They never once made me feel rushed, even though I had endless questions for them. Thank you for being so incredibly helpful!”
The Clique Podcast
Google review
“David & Audrie showed us options we never even considered, and helped us buy below market value in an area with upcoming transformation. Their breakdown of timeline and costs gave us total peace of mind.”
Jia Hui & Brandon
First-time condo buyers
A system that can say “not yet”. We've told families to wait, even when it cost us the commission. We'd rather you wait than move wrong.
Read the story →For Singapore Citizens, ABSD is 20% on a second residential property and 30% on the third and above. Permanent residents pay 5% on the first, 30% on the second and 35% after that; foreigners pay 60%. This is on top of Buyer's Stamp Duty. Rates as at October 2026, from IRAS.
If you already have one housing loan, banks can lend up to 45% of the price (25% if the loan runs past 30 years or past age 65), and at least 25% of the price must be paid in cash. Your total monthly debt repayments are also capped at 55% of your income under TDSR.
It depends on your timeline and cash flow. After ABSD, most investors need a long hold for the numbers to work, so we look at both: a rent that covers most of the holding cost, and a realistic exit price. We run both scenarios before you choose.
You can, but Seller's Stamp Duty applies if you sell within four years of buying: 16% in the first year, falling to 4% in the fourth. That's why we plan the exit before the entry.
No. We compare new launches and resale homes side by side, and sometimes the right answer is not to buy at all.
Ten questions to ask before you commit to any property. If one can't be answered clearly, slow down and look again.
A free, no-obligation Clarity Session with David & Audrie: your all-in cost, a realistic yield, and a clear exit.
Free and no obligation. You leave knowing what you can buy, the ABSD and holding costs, and a shortlist tested on location, entry price and exit.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
