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How Abdul Bought Smart with Zero COV and Full Renovation

by | Apr 28, 2025 | Blog

When we first met Abdul, he came prepared. He had a clear plan, specific requirements, and a strong understanding of his limits, especially financially. He didn’t want to overspend, he wanted to avoid Cash Over Valuation (COV), and he hoped to find a move-in-ready home that didn’t need extra time or cost.

Our job? Turn that clarity into reality — and we did.

The Client’s Priority: Start Smart, Stay Lean

Abdul knew exactly what he wanted:

✔️ Minimal cash outlay

✔️ No COV

✔️ A renovated unit

✔️ No need for extension

✔️ Good location with high-floor view

This level of clarity helped us move fast and focus on listings that actually made sense — not just nice-to-haves, but homes that fit his strategy and budget.

The Find: A Just-MOP, High-Floor, Renovated Gem

We found a newly MOP (Minimum Occupation Period) unit that checked every box:

  • Renovated with tasteful finishes
  • High floor with excellent views
  • No extension needed, ready to move in
  • Zero COV required
  • Well within his financing comfort zone

This wasn’t just a home — it was a smart move. A property that gave him peace of mind today, and growth potential for tomorrow.

Why This Was a Strategic Move

Some buyers rush into fancy condos or overstretch their budgets. Abdul didn’t. He focused on:

  1. Avoiding unnecessary upfront costs
  2. Securing comfort without renovation stress
  3. Planning asset progression in phases

He chose a home that suits him now, and leaves room for upgrades later, once income grows and goals evolve.

Key Takeaways for First-Time Buyers

👉 Clarity wins. Know what you want and what you don’t.

👉 Cash flow matters. A flashy house with financial strain is not worth it.

👉 Renovation-ready saves time and money. Move in, live well, and plan ahead.

👉 Property is not a race. You grow your portfolio step by step.

Your Journey Can Start Just Like Abdul’s

You don’t need to overspend or overthink. With the right guidance, you can find a home that works for you today and builds the path for your future.

At ZaiDean, we listen first, act fast, and guide with purpose.

Ready to buy smart? Contact us today for a free consultation and let’s plan your home journey together.

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