Dear Ryan I’ve been an avid follower of Stackedhomes and really enjoy the concise content dished out by you guys, please keep up the great work. Currently I have a dilemma, my current details are as follows. We are currently residing in Clementi and our 4-room flat reached MOP last year in 2023. My wife currently draws an income of $4,450 in her new job. We’re both in our early 40s. For myself I am drawing a fixed salary of $11,580 per month including allowances and we plan to have kids soon. We are looking to sell our MOP 4-room flat to upgrade and are caught in 2 minds if we should sell 1 HDB and buy 2 condo or just focus all our resources in 1 homestay with a preference for 3 bedder or a 3 + 1 bedder within district 5/district 21. Projects we like include Clavon/Clement Canopy/Parc Clematis/The Trilinq/Ki Residences. Our balance housing loan is around 330k. Hope to seek your advice on our next steps....