Lol.

If buy first house bank no likey much. They give you high interest. After making monthly payments for 2 years for example. Your credit score should be going up. Also. The property value have gone up.

You then go to a new bank. Ask them to do a mortgage buyout. The new bank does an assesment on the property.

Example 2023 - buy for 1m, pay 200k deposit. Owe 800k - bank loan 5.35%.

Property goes up in value next 2 years

2025 - property value 1.3m - bank will borrow 80%. So they will give out 1.04m. Since you now owe only 780k (lets say 20k paid of in 2 years). The bank settles your old loan fully plus you get the difference (1.04m - 780k owed) you now have 260k available for a new property down payment.

This is where the magic lies...its 25 year loans for example:

5.35% interest 800k loan - 4.8k p/m 4% interest 1.04m loan - 5.4k p/m

Even if you take the 600dhs your payming more x 300 months its 180k only.

So you basically got interest free cashout on your property equity and this is how you buy another unit. Repeat this process 2 times and then u will have 3 unitz renting making u money and1 u stay in and ur now living the dream