Short answer：Liking a flat can be a reason to live there, but an investment still needs a price, net-income, risk and exit-cost assessment. Attachment does not replace verifiable cash flows.
Build a basic investment statement
Record acquisition cost, loan balance, collected rent, vacancy, repairs and fees with dates. Separate actual records from assumptions so hoped-for rent increases are not counted as income already earned.
Define review events
Major repairs, tenant departure, household cash needs or financing changes can trigger a hold-versus-sell review. Test lower prices and longer selling periods rather than relying on one ideal exit value.
Before deciding
- Reconcile rent actually collected
- Retain repair and management invoices
- Write specific conditions for reconsidering ownership
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.