Paano Mag-Retire Sa ₱80K/Buwan Gamit Ang 4-Door Apartment (Pag-IBIG Hack)

Added: 2026-06-01

[00:00:00]four-door apartment, 80K per month.

[00:00:16]framework So, video it will reveal that I'm four-door apartment retirement system.

[00:00:23]500,000 starting capital, 5 years and build timeline. estimated 60K 80K monthly gross on the bus >> [music] >> My math My timeline My year two trap 20 years of Saudi 18 million pesos demand company now the trap triangle OFW the 20 years plus abroad Hindi cool on the wrong OFW. cool on the system Trap number one cool math Trap number two I invest in stocks.

[00:01:35]wrong skills wrong sugar wrong hours Trap number three Let's be real. depend on the contributions and years of service expenses.

[00:02:04]rescue plan. supplemental plan.

[00:02:11]>> [music] >> So, why four-door apartment, not one?

[00:02:18]and Got it. Look at that.

[00:02:23]better.

[00:02:27]real estate at hindi single door.

[00:02:37]Imagine this.

[00:02:42]20,000 per month.

[00:02:49]0 pesos and get them all for 3 months.

[00:02:54]amortization Now, here's a same scenario, but of four doors.

[00:03:03]60,000 pesos per in My safety net car.

[00:03:09]principle and common system diversification by door, not by stock.

[00:03:22]Mac Mona presentation. The math shock. Well, I'm floored. two scenarios conservative at strong location. So, I'm causing the lupa, which is 100 to 150 square meters >> [music] >> Santa Rosa, Dasma, Cebu suburbs I'm going to get this estimated 1 million pesos.

[00:03:44]Construction four-door two-story, which is 150 [music] to 100 square meter total floor area is 3 million pesos. Permits plus utilities plus contingency, 300,000 pesos to 500,000 pesos. And total cost is 4.3 million to 4.5 million pesos. Now based on PSA data on March 2026, average residential construction not 12,752 pesos per square meter. Hindi gut feel, official data.

[00:04:20]premium the built, which is higher finish, must malaki, that budget to 5 million to 6.5 million pesos. Even on risk profile must malaki loan, must matagal payback.

[00:04:31]So here's the cash in in two scenarios.

[00:04:34]First scenario, which is conservative, in provincial and basic finish, and rent per door is 15,000 pesos per month. Like four doors, and gross is 60,000 pesos per month. Annual rental income is 720k.

[00:04:51]Gross yield is 18%. So for the next scenario is for a strong location. So your building is near industrial park, hospital, or transport. Rent per door is 20,000 pesos.

[00:05:05]Four doors, which is the gross, 80,000 pesos per month. Annual rental income is 960k.

[00:05:12]Gross yield [music] is 24%.

[00:05:15]Yeah, that's the total gross yield. Must have a perfect income compared to the returns MP2 or beats. But Hindi lahat na pupunta sa bulsa mo. Important to take note bago mag build, evaluate rent assumption. Tignan mo ang actual na rental listings 1 to 2 km radius lupa mo. Mag check sa Facebook marketplace, Lamudi, MyProperty. Kung 12k to 15k going rate adjust your expectations. So the subtraction sa rental income mo, walang sugar coat. First is vacancy. Second is real property tax and insurance.

[00:05:54]About 30k per year. Third is maintenance plus minor repairs. 5 to 7% Common utilities, which is shared meter.

[00:06:04]25k per year.

[00:06:07]Total is 16,000 to 18,000 pesos cada bulan. The deductions. So here's the net cash.

[00:06:15]After amortization of 21,400 pesos per month. So it's a conservative and net before amortization is 44,000 per month. Less amortization is 21,400.

[00:06:31]I 22,500 per month. The strong location of mine 62,000 per month and net before amortization. Less [music] amortization, which is 21,400 and net is 20,000. It's 40,500 per month. And after 20 years of owning the building and hopefully you paid all of your debt and it's fully paid. I'm rental income a conservative is 44,000 per month. And you're debt free. The strong location of mine is 62,000 per month net and you're debt free.

[00:07:06]See Kuya Kumastos 4.3 to 4.5 million have a my loan. Tapos 44k to 62k have a my boy.

[00:07:21]Pero sandali.

[00:07:22]I don't come next to eat a ton of more.

[00:07:24]San aku ku kuha ng 4.3 million pesos.

[00:07:28]Bago ko sasagutin yan. Kailangan mo munang marinig ang kwento ni Tito Boy.

[00:07:33]My kakilala ako si Tito Boy. 20 years sa Saudi. Welder. I'm sweldo. 70k to 90k cada bulan. Sa low of 22 years over 18 million pesos and the one second in here imagine you don't have a guy none some point to your videos in cash. Some point to watch it. But go with me and 2023. I love you going to get it out. He sent by the Indian potato. He sent by the provincial not in a potato and the guy and at 180k Savannah 18 million and the one second in here. 180,000 pesos and the one and the guy and Indian guy and the guy and the guy and the guy [music] one and the two to second in here and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the the guy and the guy and the guy and the guy and the guy and the guy one and the second in here one and the second in here and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the one and the second in here and the guy and the guy and the guy and the >> [music] >> one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy one and the second in here one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the one and the second in here and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the one and the second one and the second in here and the guy one and the second in here and the guy and the guy and the guy and the one and the second in here and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the one and the second in here and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy and the guy and the one and the second in here and the guy and the guy and the guy and the guy and the guy and the one and the second in here and the guy and the guy and the guy and the guy and the guy and the guy and the guy and the guy one and the second in here and the guy and the guy and the guy one and the second in here and the guy and the guy and the one and the guy without qualifying reason, 50% of dividend more forfeited.

[00:09:47]liquid bucket the foundation year on your retirement bucket deposit by the end of year one the liquid bucket amount move 30k per month for the next 12 months. By the end of year [music] one 370,000 pesos So, on total assets more [music] is 902,500 pesos.

[00:10:24]Year one is equal to mental conditioning at location scouting. So, next is year two, the discipline year. So, to do it to do it to save 30k per month the liquid bucket retirement bucket or MP2 year two and value is 567,000 pesos after compounding in your liquid bucket not even going to not around 748,000 pesos and total assets more by this time is 1.31 million pesos.

[00:11:03]shortcut If you pre-terminate without qualifying reason 50% of dividend is forfeited.

[00:11:12][music] terms and conditions Your year two is equal to patience year.

[00:11:29]Next is year three. the land year [music] By mid three, your liquid bucket I know 950,000 pesos. So, your action is booming in the Lupa in cash, which is your target is 1 million pesos value around 100 to 150 square meters. Strong locations to scout will be GSC, which is Mahal. It should be near industrial parks in Lipa, Santa Rosa, Carmona, Cabuyao, near transport terminals, highway access, hospitals, and universities. Where [music] did you see at Davao suburbs?

[00:12:03]But cool and 50K for the 1 million pesos. And time to get more than 13 month pay, performance bonus, or 1 to 2 months of aggressive saving. What's the MP2 account and better important to take note. That cash paid on Lupa clean on title. Cool my old Tampa issues on title. Ready to come my hair up and give construction loan approval. So, here's your end of year three. So, for your retirement bucket, I'm value is around 604,000 pesos. Your liquid bucket is 130,000 pesos. And your land is 1 million pesos cash paid. Your total net worth is 1.73 million pesos. Next is year four, the construction year.

[00:12:51]Cool on savings apply at the plans. So, on your retirement bucket by end of year four, I'm going to 640,000 pesos. On your liquid bucket, I'm going to 510,000 pesos. Again, your land value is 1 million pesos. So, action nothing for year four is to apply for housing construction loan. So, it is possible to loan up to 2.5 million pesos subject to appraisal plus income capacity. I'm recommended is 15 years for the loan. I'm interest rate is 6.25% [music] 3 year fixed pricing. And monthly payments with interest is 21,400 per month. Computed at 2.5 million at [music] 6.25% interest rate for 15 years.

[00:13:43]So here's our building budget.

[00:13:47]Which is cash.

[00:13:51]And Pag-IBIG construction loan nothing is 2.5 million pesos. And total budget nothing is 3 million 10,000 pesos.

[00:14:00]>> [music] >> So this budget is realistic to build a four door two story 150 to 180 square meter total floor area basic to mid finish.

[00:14:12]Hindi luxury.

[00:14:15]Three door starter muna. Mag-expand ka na lang sa four doors after five years.

[00:14:20]So sa year five lease up year. And timeline nothing. Month one to three you have two doors na mapaparent. And gross mo per month is 30k to 40k. Month four to six. Three doors na mapaparenta mo.

[00:14:34]45k to 60k per month. Month seven to 12.

[00:14:38]Four doors na mapaparenta mo. And gross income mo per month is 60k to 80k. Pay your amortization which is 21,400 from rent.

[00:14:50]But conservative tayo. And net income nothing is 22,500 cada one. If you're on a strong location. And net income is 40,500 cada one.

[00:15:03]So year six plus the compound [music] effect. So your MP2 matures.

[00:15:08]Tapos na yung five year lock-in. So sa year six. Meron na tong 685,000.

[00:15:14]Liquid. Pwede mong i-roll over or for emergency fund. So your rent net continues. Year five onward, meron kang 22.5k to 40.5k [music] per month during loan. So, year 19 to year 20, >> [music] >> we expect na fully paid na ang Pag-IBIG loan mo. Ang rental net income [music] mo jumps to 44k to 62k per month and you're debt-free. By the way, your property value at year 20, pwedeng tumaas, pwedeng pababa, depende sa market, location at condition. Hindi guaranteed. Pero kaya hindi nag-a-appreciate ang cash-flowing asset mo ay buo at debt-free. Yan ang sistema, hindi how to. Sistema na may dalawang bucket, retirement bucket at build bucket na liquid. Bawat piso sa MP2 ay nagko-compound habang liquid bucket ay lumalaki rin ang value. So, here's some preempted objection. Sagutin natin ang tatlong pinakamadalas na tanong ng lahat. Paano kung walang tenant? Yan ang reason kung bakit four-door apartment ang plan natin. Even at 50% occupancy, which is 30k gross, sapat pa rin para bayaran ang amortization. May matitira pang 8k to 9k. Paano kung magkasakit ako? Walang nag-aalaga sa building.

[00:16:32]Magbayad ng property manager. 8 to 10% ng gross rent. 5k to 8k per month.

[00:16:39]Bababa ang net income, pero zero hassle.

[00:16:42]Marami nang reliable property manager sa Lipa, Santa Rosa, Cebu, Davao. Paano kung tumaas ang Pag-IBIG rate? Rates fixed for the first 3 years, then repricing [music] every 3 years. So, worst case, pwedeng 9%. Amortization tataas to 25,400 kada buwan. Kaya pa rin i-cover ng rent income.

[00:17:04]Pero ang totoo, kung tumaas ang rate, pwede mo ring i-refinance o magbayad ng partial prepayment para bumaba ang principal. Walang investment na zero risk. Pero may sistema kang sumasalo sa risk. Yan ang difference. Pagkatapos mong panoorin ang video na 'to, 18 million and 200 million 180 K and 100 K my work at home depot some of my home person in year one MP2 account by next week in the young 4 million and difference you make it by yourself and my selling system or lifetime tenant in one town that's the end of the 200 retirement in the young dummy and zero sub bank how going to be effective on your retirement plan by that way to do it by the pass of the better I can do it and I get that the problem 22 years of Saudi versus 5 years building a system that you do so I don't know so I don't know anymore so familiar more have a good way to go back I don't know what [music] I got to know I can do it and I keep on the better I don't know what I got to know for financial freedom we got to go back at home for the apartment retirement system 1 500 K starting at 30 K per month savings two two bucket framework MP2 locked plus liquid built number three five year built timeline MP2 then land years a year free I need construction loans a year four a year five number four during your loan years which is year five to year 19 22.5 K 40.5 K per month on net number five after your loan is paid a year 20 to 10 [music] 44 K to 62 K per month on rental income more debt free I don't have a good way to go back I don't know what I got to know for sure I can do it and I get that the problem blueprint to framework to I don't know what I got to know for sure for feasibility study feasibility study, location survey, free plus the contractor quotes, permits, loan pre-approval, vacancy risk assessment, property management no shortcuts to due diligence buy a house with your savings monthly income invest in a property from step-by-step execution Pinoy property playbook Click on the playlist on the screen now. Subscribe now so you don't miss the next videos.