After my last post, I have many friends that told me to not proceed with the plan. I also have friends asking me about rates and from which bank I am getting the loan from.

I will need to be upfront with all the readers, as I told one of them:

"I agree that if there is no need to leverage, then better not to leverage. In fact I don't encourage this as well. In almost all my courses, I already stated at the start of each course that we should only invest with disposable cash, so no irrational thoughts will occur."

However, due to the recent downturn, I also have thoughts that if I have the ability (in terms of future cashflow) and already the cash to pay off the amount I leverage, then I should be fine.

To be honest, this is similar to taking up a property loan. Just that a...