David & Audrie · ERA Realty Network
We're David & Audrie, authors of The W.A.T.E.R Property Blueprint. We work out your numbers before a single viewing, and sometimes our advice is “not yet”.
Free and no obligation. You leave knowing your real budget, a loan you can live with, and whether to sell or buy first.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
What families tell us
“Our flat reaches MOP soon. Our friends are all moving to condos. Are we falling behind?”
Falling behind is a feeling. Your numbers are facts. Most families only find out what their flat really frees up after they've fallen for a showflat.
See what your flat frees up →“The bank says we qualify. But what if one of us loses our job?”
A 30-year loan ties your family to your income for 30 years. The most the bank will lend is not what you can live with.
Read: when we say “not yet” →“Sell first and we might have nowhere to live. Buy first and we pay 20% ABSD upfront.”
On a $1,500,000 condo, that's $300,000 to find within 14 days. The order you sell and buy in can decide what you can afford.
Read: sell first or buy first →“Every quarter we wait, condo prices go up and our flat's doesn't. Have we missed it?”
In Q3 2026, private home prices rose 1.4% while HDB resale prices dipped 0.1%. Waiting is a decision too, and it has a cost.
Read: the 18-month wait →Recognise one of these? Tell us where you are, and we'll work out your numbers with you.
Free and no obligation. You leave knowing your real budget, a loan you can live with, and whether to sell or buy first.
Not ready to talk yet? Get the free Property Decision Checklist →
Right now
A dozen tabs, three agents' opinions, and a spreadsheet nobody trusts.
Where you want to be
One clear number, one shortlist, one plan.
The system from our book
Three frameworks, one decision system. Together they change the question from “What should we buy?” to “Does this move support the life we're planning?”
01
The why
Wealth Accumulation Towards Early Retirement
Property as a tool for long-term freedom, not a trophy. Every move is planned backwards from the life you want in 10 to 20 years.
Why it matters: Without a clear why, the biggest purchase of your life gets decided by a showflat.
Explore W.A.T.E.R →02
The how and when
Clarity · List options · Evaluate · Align · Reinforce
Five steps from clarity on your finances, goals, needs and choices to a decision you can explain to your family.
Why it matters: It keeps urgency, FOMO and pride from making the call, and it's how we know when to say “not yet”.
Explore C.L.E.A.R →03
The what
Location · Entry price · eXit
Every property is tested on where it is, what you pay against comparable homes, and who will buy it from you one day.
Why it matters: Most losses are locked in on the day you buy. L.E.X checks the exit before the entry.
Explore L.E.X →Your home should be building your retirement, not just housing you.
The C.L.E.A.R process
John & Sally are a composite case based on families we've helped.
Your plan, on your numbers, step by step.
Get a free Clarity SessionLaid out their finances, goals, needs and choices on one page: sale proceeds, CPF, loan limits, and what the next home had to do for them. No guessing.
New launch, resale or EC, shortlisted on their actual numbers.
Compared the shortlist on location, entry price and exit.
Timed the sale and purchase so they never had to move twice.
Stayed with them after keys, reviewing the plan as life changed.
Why we wrote the book
A successful friend told us that years ago, and it changed how we saw money. In our twenties we chased quick profits in stocks and got our fingers burnt, while the property we had bought carefully and held patiently quietly became the base of our net worth. The W.A.T.E.R Property Blueprint is the method we wish we'd followed from the start, written for our younger selves and for our children.
Read the story behind the bookTestimonials
We never knew our HDB had so much potential. With David & Audrie's guidance, we upgraded to a condo and still had reserve funds, all while staying within TDSR limits.
Joanne & Marcus
First-time upgraders, 30s
“We were so worried about timing and finances, but David & Audrie mapped everything out: sale, purchase, even the cash flow. We sold above asking and moved into our new home seamlessly, without financial stress.”
Kelvin & May
Sold and upgraded to an EC
“If you need property agents who truly care, look no further than David & Audrie Properties. Their professionalism is top-notch, but what stood out most to me was their friendliness. They never once made me feel rushed, even though I had endless questions for them. Thank you for being so incredibly helpful!”
The Clique Podcast
Google review
“David & Audrie showed us options we never even considered, and helped us buy below market value in an area with upcoming transformation. Their breakdown of timeline and costs gave us total peace of mind.”
Jia Hui & Brandon
First-time condo buyers
A system that can say “not yet”. We've told families to wait, even when it cost us the commission. We'd rather you wait than buy wrong.
Read the story →Start with three numbers: what your flat sells for after the outstanding loan and the CPF you must refund; how much a bank will lend you, which TDSR caps at 55% of your income going to debt; and the cash and CPF you need for the 25% down payment and stamp duty. If all three line up with a monthly instalment you're comfortable with, you can. Our affordability calculator gives a first estimate, and we then check it against your actual figures.
For most families we suggest selling first, or timing both together. Buying first usually means paying ABSD upfront (claimable back only if you sell the flat within six months), carrying two loans at once, and pressure to sell cheaply. Selling first gives you a firm budget; the risk is the gap in between, which we plan for before you list.
It depends on when you need to move and your cash flow. A new launch lets you pay in stages while you still live in your flat, but you wait three to four years for the keys. A resale condo lets you move soon but needs more cash at once. An EC costs less if you qualify (household income up to $16,000 for ECs launching now) and comes with a 5-year minimum occupation period. We compare all three on your numbers.
Nobody can time the market reliably. What you can control is the price you pay against nearby transactions, a loan you can still hold if rates rise, and a clear exit. That's why we test every option on location, entry price and exit before you commit.
No. We compare new launches and resale homes side by side on your numbers, and sometimes our advice is to wait. Our fee is agreed in writing before we start, as CEA requires.
Ten questions to ask before you commit to any property. If one can't be answered clearly, slow down and look again.
A free, no-obligation Clarity Session with David & Audrie: your finances, goals, needs and choices, mapped out on your real numbers.
Free and no obligation. You leave knowing your real budget, a loan you can live with, and whether to sell or buy first.
Not ready to talk yet? Get the free Property Decision Checklist →
You'll chat with Chloe, our personal assistant. She replies straight away, day or night, and brings in David or Audrie to work on your plan.
