Dear Stacked team, We’re huge fans of your editorial and have been following for years, and are looking to dip our toes in Singapore’s property market – we’re hoping to lean on your well informed advice. My partner and I are in a bit of a predicament; we both earn about S$30k per month, have S$600k in cash each and are first-time home buyers. We’re both 28, live in our parents’ home and don’t have an immediate need to live in a place of our own (although we don’t mind). Our current thinking is: 1) Purchase a resale HDB under the essential-owner and occupier scheme; in 5 years’ time one person’s name would be freed up to purchase a private property, the downside being unable to rent out the unit from the get-go, and also one partner having to sit out of the market for 5 years, especially since we don’t have a need to stay in the flat but are obliged to...