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The 5 Checks · Go or No-Go

Should you buy
that property?

Run any property through the same five checks a careful buyer uses — your Goal, your Budget, the Price, the Return and the Exit — and get an honest verdict: go, negotiate, or walk away.

← Or use the 8 calculators one by one

Check 1 — The Goal

A property is a tool, not a trophy. What job does this one need to do?

Pick the job first — the beautiful lobby and showroom are not the reason to buy.

Check 2 — The Budget

Not what the bank will lend you — what you can comfortably carry.

RM
RM
Your comfort zone (spare cash × 200) will show here.

Check 3 — The Price

The asking price is what the seller hopes for. Value is what similar units actually sold for.

RM
Comparing two different-sized units? Use the PSF calculator first.
We'll compare what you're paying against what it's worth.

Check 4 — The Return

Rent is the headline. What lands in your pocket is the truth.

RM
RM
Loan assumptions (90% · 4.2% · 35 yrs) — edit
Yield, installment and monthly cash flow will show here.

Check 5 — The Exit

Understand the likely exit before you ever enter.

Future value, exit costs and what you'd actually keep will show here.

The Scorecard

Five checks — tick or cross, just like Daniel's.

These calculators do the maths. The slow part is finding reliable inputs — real transactions, realistic rent, project comparisons. That's what HomeSifu is built for.

Questions

What are the 5 checks?
Before signing anything: Goal (what job must the property do?), Budget (what can you comfortably carry — not what the bank will lend), Price (what are similar units actually selling for?), Return (after costs and the loan, what lands in your pocket?) and Exit (what will you really keep when you sell?).
Is the verdict financial advice?
No — it's a structured way to think, using your own numbers and rules of thumb (×200, the 6% rule, typical cost percentages). A "go" still needs verification against real transaction data, and your bank, lawyer and own judgment.
Can I use the calculators individually?
Yes — every number here has its own full calculator with more options: see all 8. This page just chains them into one flow with a verdict at the end.
Why did my deal fail the Exit check even with a gain?
Because a gain on paper isn't a return. After exit costs and the monthly top-ups you paid along the way, if what's left grows your cash slower than a fixed deposit, the deal isn't paying you for the risk and work. The money you don't lose is as good as the money you make.

General education, not financial, legal or tax advice. All thresholds are rules of thumb; rates, costs and lending treatment vary by bank, property and Budget. Verify important figures against original data and licensed professionals before deciding.