Previous Next

10 Proven Strategies | Real Estate Investment Advice That Works

Written by the Divine LiWing Investment Team · Reviewed October 2026

UAE-based property professionals with 12+ years advising international investors. All figures verified against Dubai Land Department (DLD) records, RERA rental indices, and Q1–Q2 2026 reports from ValuStrat, Cavendish Maxwell, and Property Finder.

Property is the oldest wealth-building asset in the world, but that does not make it foolproof. In fact, most people who lose money in real estate lose it in the same handful of ways. The strategies below are honest, tested, and specifically framed for buyers in the UAE market — the kind of real estate investment advice we give paying clients, distilled into ten proven strategies you can start using today.

⚡ Quick answer The best real estate investment advice for 2026 combines ten proven strategies: (1) define your goal before you look at a single property, (2) understand every investment type, (3) analyse market trends with real data, (4) calculate net returns not gross, (5) manage risk actively, (6) diversify your portfolio, (7) start with fundamentals over trends, (8) use professional analysis tools, (9) build a long-term plan, and (10) work with specialist advisers. Success comes from discipline, not luck.

📑 What this guide covers

1. Why real estate investment matters — and what really drives returns
2. Understanding the different types of property investments
3. Analysing market trends the professional way
4. Evaluating real estate investment returns realistically
5. Managing risk before it manages you
6. Portfolio management and diversification
7. Practical tips for new investors
8. Conducting proper investment analysis
9. Building a long-term strategy that actually works
10. People Also Ask and FAQ

Introduction

Real estate remains one of the most reliable paths to long-term wealth. However, the buyers who succeed in this market share something specific — they follow a plan, not a feeling. Meanwhile, those who lose money typically buy on emotion, skip the research, and pay too much for the wrong asset.

At Divine LiWing, we have advised international investors on Dubai and UAE property for over a decade. So we have watched what works, and just as importantly, what does not. This guide distils that experience into ten focused strategies. Whether you are buying your first apartment or expanding a portfolio, these are the moves that actually matter.

Importance of Real Estate Investment

Property differs from other asset classes in three important ways. First, it produces cash flow through rent, unlike gold or non-dividend equities. Second, it appreciates over time, historically outpacing inflation in most established markets. Third, and often overlooked, it lets you use leverage — a mortgage lets you control a much larger asset than your cash alone would allow.

💵Cash flowMonthly rental income offsets holding costs and provides yield while you wait for appreciation.

📈AppreciationProperty values typically rise over the long term, especially in supply-constrained markets like Dubai.

⚖️LeverageA 25% down payment lets you control 100% of an appreciating asset, amplifying returns significantly.

🛡️Inflation hedgeRents and property values rise with inflation, protecting purchasing power over decades.

Overview of Proven Strategies

The ten strategies in this guide are grouped logically. First, you need to understand what you are buying. Next, you need to know how to analyse it. After that, you need to manage risk actively and think in portfolio terms. Finally, you need patience and a long-term view.

To be clear, none of these strategies require a finance degree. Instead, they require honesty about your goals and the discipline to follow a plan. For a broader look at how these principles apply specifically to Dubai, our companion guide on why to invest in Dubai real estate walks through the current opportunity in detail.

Understanding Real Estate Investment

Before we get into strategies, you need a shared vocabulary. Fortunately, real estate is one of the more intuitive asset classes to grasp. Still, several distinctions matter enormously in practice.

What is Real Estate Investment?

Real estate investment simply means buying property with the primary goal of generating financial return — either from rental income, capital appreciation, or both. However, this differs meaningfully from buying a home to live in, where the return calculation is emotional as much as financial.

Additionally, this category includes buying land, developing property, or purchasing shares in property funds. Each option carries a different risk profile, capital requirement, and expected return. Consequently, choosing the right one for your situation is the first strategic decision you will make.

Types of Real Estate Investments

Broadly, real estate investment splits into four main categories. Furthermore, each performs differently across market cycles and suits different investor profiles.

Residential

Residential property is where most investors start, and for good reason. To begin with, tenant demand is universal — everyone needs a home. Additionally, transaction data is deep and freely accessible through the Dubai Land Department. As a result, residential real estate investing tends to be more transparent and easier to enter than commercial or industrial alternatives.

Furthermore, residential property in Dubai currently delivers gross yields between 5% and 9% depending on the community. Communities like JLT and Business Bay lead the yield tables, whereas Downtown Dubai and Palm Jumeirah offer stronger capital appreciation. For a detailed breakdown of specific communities, our guide on finding the best property for sale in Dubai covers each area in depth.

Commercial

Commercial real estate — offices, retail units, mixed-use towers — typically offers higher yields but requires larger capital and more specialist knowledge. In Dubai, grade A office space is currently in acute short supply, so office yields have risen to 7–9% gross in prime areas. Additionally, lease terms are usually longer, often 3–5 years, which reduces turnover risk considerably.

However, commercial vacancies can last much longer than residential ones. Consequently, a bad month in commercial property can mean six months without rent, not two weeks. Ultimately, this asset class rewards experience and punishes assumptions.

Industrial

Industrial property covers warehouses, logistics facilities, and light manufacturing units. Since Dubai’s position as a global logistics hub keeps demand structurally high, industrial yields typically exceed 8% gross. Moreover, tenants tend to sign long leases and treat the space as a business-critical asset, which reduces turnover.

Still, this segment is genuinely specialist. Buyers need to understand zoning, load ratings, and yard requirements. For most first-time investors, therefore, residential remains the sensible entry point.

💡 Strategy #1 — Match the asset to your experience level

The single biggest mistake we see is inexperienced buyers jumping into commercial or industrial property because the yield looks better. Instead, start with residential, build a portfolio of 2–3 units, learn the market, then diversify. Solid real estate investment education begins with mastering one asset class before expanding.

Analyzing Real Estate Market Trends

Great investors read the market before they read the listings. Meanwhile, average investors do the opposite. Below is how professionals actually analyse a market — and what to watch for in 2026.

Current Market Trends to Watch

Understanding real estate market trends means more than reading headlines. Specifically, it means tracking transaction volumes, price per square foot, rental indices, and supply pipelines. Fortunately, all of this data is publicly available for the Dubai market through the DLD.

AED 221BH1 2026 residential value

+17.7%Villa capital growth forecast

+10%Residential capital growth forecast

~0%Rental growth forecast 2026

The Dubai market in 2026 tells a nuanced story. On one hand, transaction values remain historically strong. On the other hand, volumes cooled from the exceptional 2025 base. Furthermore, villas continue to outperform apartments significantly, and off-plan continues to dominate at roughly 73% of Q1 transactions.

What matters versus what makes noise

Not every trend deserves attention. In particular, sensational news headlines often exaggerate short-term movements and ignore the fundamentals that actually drive long-term returns. Consequently, discipline in what you track separates smart investors from reactive ones.

The signals that genuinely matter include transaction volumes by community, rental yield movements, supply pipelines, population growth, and government policy changes. On the contrary, single-month price swings, Instagram videos, and broker predictions rarely tell you anything actionable.

Utilizing Market Data for Investment Decisions

Proper real estate market analysis starts with primary sources. Specifically, the DLD publishes actual transaction data, RERA maintains the rental index, and firms like ValuStrat and Cavendish Maxwell publish quarterly forecasts. Furthermore, Property Finder and Bayut provide daily listing data with historical price movements.

💡 Strategy #2 — Only trust primary data

Before making any offer, verify three things: actual DLD-sold prices in that specific community over the last six months, the current RERA rental index for the tower or sub-community, and the supply pipeline landing in the next 24 months. Anything else — especially anecdotes from friends or agents — is secondary. Reliable real estate investment advice always sits on primary data.

Evaluating Real Estate Investment Returns

Now for the numbers. However, this is where most investors get it wrong — they focus on the gross yield in the brochure rather than the net return that lands in their account. Below is how to think about returns properly.

Calculating Potential Returns

Realistic real estate investment returns come from three sources: rental income, capital appreciation, and tax advantages. Fortunately, in the UAE, the tax advantages are enormous — no income tax on rent, no capital gains tax on sale, and no annual property tax. As a result, gross yield sits close to net yield, unlike almost every other global market.

Gross yield versus net yield — the critical distinction

Gross yield is what a broker will always show you. Net yield is what you actually keep after real costs. Additionally, the gap between the two can be 2–3 percentage points, which changes the investment case fundamentally.

A worked example

🧮 JVC studio — the honest math

Purchase price: AED 450,000. Gross rent: AED 38,000/year. Gross yield: 8.4%. Now subtract real costs — service charges (~AED 6,000), 10% void allowance (~AED 3,800), 5% management (~AED 1,900). Net income: AED 26,300. Consequently, net yield: ~5.8%. Since there is no income tax, that 5.8% actually lands in your account. Compare that to your home market before deciding whether the deal is genuinely attractive.

Key Indicators of Investment Success

Beyond yield, several metrics tell you whether a property will actually perform. First, cash-on-cash return measures actual annual cash income against actual cash invested. Second, capitalisation rate (cap rate) measures net operating income divided by property value. Third, internal rate of return (IRR) blends cash flow and appreciation over a defined holding period.

💡 Strategy #3 — Always model net, never gross

Before you make any offer, build a simple spreadsheet with every cost line. Additionally, model three scenarios — pessimistic (12% voids, high maintenance), realistic (8% voids, normal costs), and optimistic (5% voids, minimal maintenance). Buy only if the pessimistic case still delivers acceptable returns. Otherwise, walk away.

Managing Real Estate Investment Risks

Every investment carries risk, and property is no exception. However, unlike stocks, most real estate risks are knowable in advance. Consequently, they can be managed with discipline rather than luck.

Identifying Common Risks

The main categories of real estate investment risks are financial, market, property-specific, and legal. Furthermore, each category has different mitigation strategies and different early warning signs.

Strategies to Mitigate Risks

Effective risk management is proactive, not reactive. Meanwhile, most investors only think about risk after something has gone wrong. Below are three moves that consistently reduce downside.

💡 Strategy #4 — Stress-test every deal before you sign

Run every purchase through three questions:

• What if voids double? Can you still hold the property comfortably?
• What if service charges rise 30%? Is your net yield still positive?
• What if interest rates rise 3%? Can you cover mortgage payments from rent alone?

If any of those answers is a hard no, the deal has too little margin. On the contrary, deals that survive all three tests tend to survive real market cycles too. Additionally, always keep 6 months of holding costs in reserve — the fastest way to force a loss is to sell during a downturn because you needed cash.

Effective Real Estate Portfolio Management

Portfolio thinking separates casual investors from serious ones. Meanwhile, single-property owners often make emotional decisions because everything rides on one asset. Consequently, learning to think in portfolio terms — even with just 2–3 properties — dramatically improves outcomes.

Importance of Diversification

Smart real estate portfolio management means spreading risk across three dimensions: geography, asset type, and holding period. Furthermore, diversification does not require dozens of properties — thoughtful choices across three or four assets can achieve most of the benefit.

Practical diversification for Dubai investors

🗺️GeographySpread across 2–3 communities to reduce concentration risk. Mix yield areas (JLT) with appreciation areas (Downtown).

🏢Asset typeBlend residential with a REIT allocation, or mix apartments with a townhouse for balanced yield and growth.

⏱️Holding periodCombine short-term rental units with long-term family leases. Different vacancy cycles balance the portfolio.

💼Currency exposureSince the AED is pegged to the USD, Dubai property gives dollar-denominated exposure without US market risk.

Strategies for Portfolio Optimization

Optimising a portfolio means periodically reviewing and adjusting. Specifically, we recommend an annual review to check whether each property is still performing to plan. Additionally, market conditions change, and what was optimal in 2023 may not be in 2026.

💡 Strategy #5 — Review your portfolio annually, not reactively

Schedule a formal portfolio review every January. Check net yield versus original projection, capital appreciation versus market benchmark, and the community’s supply pipeline for the coming year. Consequently, you spot underperformers early and can rebalance before losses compound. Reactive selling in a downturn is the most common source of avoidable loss.

Not sure how to structure your first property portfolio?

Divine LiWing offers portfolio-planning consultations — we look at your budget, goals, and timeline, then recommend a specific allocation across 2–3 Dubai communities. Free 30-minute call, no obligation. Learn more about our approach →Book a consultation

Property Investment Tips for New Investors

First-time investors face a specific set of traps. Furthermore, most of those traps come from acting too quickly. The property investment tips below have been shaped by watching hundreds of first-time buyers over the past decade — what worked, what did not, and why.

Tips for First-Time Buyers

Start with fundamentals, not trends

Fashionable communities move up and down; fundamentals do not. Consequently, a well-built apartment in a proven location will outperform an off-plan launch in an unproven area over any 10-year horizon. First-time buyers should prioritise established communities with real transaction history over speculative launches.

Get mortgage pre-approval before you shop

Pre-approval clarifies your actual budget and gives you leverage in negotiation. Additionally, sellers move faster for buyers who have already cleared financing. Consequently, walking into viewings with pre-approval in hand often shaves 2–5% off the final price simply through speed and credibility.

Choose a specialist agent, not a generalist

The single biggest predictor of a good outcome in Dubai property is your agent. Furthermore, a specialist who genuinely knows one community will find deals a generalist never sees. For the full vetting checklist, our guide on how to choose the best broker in Dubai covers what to check.

Avoiding Common Mistakes

Certain mistakes are so common they deserve their own list. Meanwhile, avoiding them puts you ahead of most first-time buyers instantly.

• Buying on emotion. Falling for a view, a lobby, or a lifestyle brochure. Instead, buy on numbers.
• Underestimating transaction costs. Budget 6.5%–10% above the purchase price, not just the sticker.
• Skipping the independent inspection. A AED 2,500 inspection has saved buyers hundreds of thousands. Additionally, it gives you leverage in negotiation.
• Ignoring service charges. Charges vary 30–50% between towers in the same community. Consequently, they can swing your net yield by a full percentage point.
• Assuming 100% occupancy. No property is rented every day of every year. Instead, model 8–12% vacancy from day one.

💡 Strategy #6 — Buy the deal, not the story

Every property comes with a story: the view, the neighbourhood, the future potential. However, the story does not pay your service charges. Instead, focus on verifiable numbers — actual recent transactions, RERA rental index, service charge history, supply pipeline. Buy properties that work as investments, not as narratives.

Conducting Real Estate Investment Analysis

Serious investors run every deal through the same structured analysis. Meanwhile, casual investors go by feel. Below is how to bring rigour to your decisions — the sort of real estate investment analysis that separates wins from losses.

Tools for Effective Analysis

Fortunately, most of what you need is free or cheap. Furthermore, professional investors typically use a small stack of simple tools rather than expensive software.

Practical Case Studies

Case study 1: The yield play that worked

In 2023, a client bought a 1-bedroom in JLT for AED 780,000. Furthermore, they modelled a 7.5% gross yield, 5.8% net after all costs, and 5% annual capital appreciation. Three years later, the property is renting for AED 65,000 — an 8.3% gross yield — and worth AED 950,000. Consequently, total return: 22% capital gain plus three years of solid income. This is what disciplined real estate investment advice looks like in practice.

Case study 2: The lesson from an emotional purchase

Another client, however, bought a Marina apartment in 2022 for AED 1.85 million despite the numbers not quite working. The reason: they loved the view. Two years on, the property still rents at 5.1% net — respectable but below the yield-focused alternatives — and appreciation has been slower than JLT next door. Overall, the property is fine, but the opportunity cost of not buying in JLT is roughly AED 180,000. In short, emotion is expensive.

Case study 3: The value of proper analysis

A third client analysed twenty properties before buying. Furthermore, they built a spreadsheet ranking each on ten metrics. Ultimately, they bought a townhouse in Arabian Ranches at AED 3.4 million — a full 8% below the average listing price for that unit type — because the seller needed a quick sale. The property has since appreciated to AED 4.2 million. Consequently, patience and structured analysis delivered a 24% capital gain in two years.

💡 Strategy #7 — Look at 20 properties, buy 1

Serious investors view many properties before buying one. Meanwhile, most first-time buyers view three or four and buy their favourite. As a result, they miss patterns — the average, the ceiling, the outlier deal. Instead, view 20, analyse each with the same framework, and only buy properties in the top 10% by numbers. This one discipline separates good outcomes from poor ones.

Building a Long-Term Investment Strategy

Short-term property investment rarely works. Meanwhile, long-term property investment reliably compounds wealth. However, “long-term” requires more than just holding — it requires a plan.

Establishing Clear Goals

Before you buy anything, write down what you want the portfolio to do. Additionally, be specific. “Build wealth” is not a goal; “generate AED 25,000 per month in net rental income within 8 years” is. Consequently, having a specific target changes every decision that follows.

The three goal categories most investors have

• Cash flow now. Maximise monthly income. Consequently, prioritise high-yield areas like JLT, Business Bay, and mid-market apartment communities.
• Wealth in 10 years. Maximise capital appreciation. Therefore, focus on villas and prime communities with supply constraints.
• Residency plus returns. Combine investment with a Golden Visa. Specifically, buy properties valued at AED 2M+ that also deliver acceptable yield.

The Importance of Patience in Real Estate

Property rewards patience like almost no other asset class. Furthermore, most of the biggest gains happen in years 5–10, not years 1–2. Consequently, investors who plan to hold for a decade or more consistently outperform those who churn portfolios chasing short-term wins.

The single most important habit of successful property investors

They think in decades, not months. Furthermore, they measure success by net position at year 10, not price movements at year 1. Additionally, they avoid the temptation to sell during downturns — instead, they buy more when prices are soft. This mindset alone accounts for most of the difference between wealthy property investors and average ones.

💡 Strategy #8 — Commit to a 10-year minimum horizon

Before buying, commit — in writing to yourself — to holding for at least 10 years. Consequently, you eliminate reactive decisions during market cycles. Additionally, you unlock the compounding effect that makes property genuinely wealth-building. Short-term flipping in Dubai has produced far fewer millionaires than patient long-term holding.

Strategy #9 — Combine income and appreciation deliberately

The most robust portfolios blend high-yield assets with strong appreciation plays. For instance, two JLT apartments delivering strong yield, combined with one Dubai Hills townhouse targeting appreciation, gives you both current cash flow and long-term wealth building. Consequently, one part of the portfolio funds your lifestyle while another part grows in the background.

Strategy #10 — Work with specialists, not generalists

The final strategy sounds simple but is often overlooked. Specifically, work with people who specialise in exactly the segment you are buying in. A generalist agent, generalist mortgage broker, and generalist lawyer will each cost you money in ways you may not even notice. Meanwhile, a specialist in each role tends to save more than they charge. Furthermore, sound real estate investment education means learning who to trust — and who to avoid.

Conclusion

Recap of Strategies

In short, here are the ten strategies condensed into one page:

Ultimately, none of these strategies is complicated. Meanwhile, none of them requires a finance degree. Instead, they require honesty, patience, and the discipline to follow a plan when everyone around you is chasing the next hot launch.

Call to Action

Property has built more wealth than any other asset in human history. However, that wealth flows toward disciplined investors, not enthusiastic ones. Consequently, whether this is your first purchase or your fifteenth, the strategies above will serve you well.

Furthermore, if you would like a personalised plan tailored to your budget, goals, and timeline, we are ready to help. Our team has spent the last decade guiding international investors through the UAE property market, and we bring that experience to every consultation.

Ready to put this real estate investment advice into action?

Divine LiWing offers investor consultations across all major UAE communities. Free 30-minute call, personalised shortlist, no obligation, and no agency fee for buyers on off-plan properties.Start your investment journey

Further Reading from Divine LiWing

If this guide was useful, these companion pieces go deeper on specific parts of the UAE property journey:

📈Invest in Dubai Real EstateWhy 2026 is the strongest year to enter — tax arithmetic, yield analysis, and the full investment case.

🗺️Top 7 Areas for Property Investment in UAE The seven best-performing communities in Dubai — ranked and compared side by side.

🔍Property for Sale in Dubai Five insider tips for finding, inspecting, and closing on the right unit — with the full DLD process.

💎Luxury Real Estate DubaiA complete guide to the ultra-prime segment — Palm Jumeirah, Emirates Hills, and beyond.

📞Contact Divine LiWingSpeak to an advisor — free consultation, no obligation, no agency fee for buyers on off-plan.

People Also Ask

Getting started and choosing property types

What is the best real estate investment advice for beginners?

Start with residential property in an established community with strong transaction history. Additionally, always model net yield after service charges, voids, and management costs — not the gross yield in the brochure. Furthermore, commit to a minimum 10-year holding period before you sign anything. These three rules cover most of what separates successful first-time investors from unsuccessful ones. Which type of real estate offers the best returns?

It depends on your goal. Currently, mid-market apartments in JLT and Business Bay deliver the strongest gross yields (7–8.5%). Meanwhile, villas in Dubai Hills and Arabian Ranches offer stronger capital appreciation (forecast at +17.7% for 2026). Consequently, the “best” returns come from matching asset type to investment objective. How much capital do I need to start investing in real estate?

In the UAE, entry starts around AED 400,000 for a studio in emerging communities like International City or Dubai Silicon Oasis. Additionally, off-plan purchases require just 10–20% down, so an AED 800,000 apartment can be entered with as little as AED 80,000–160,000 upfront. Furthermore, budget an extra 6.5–10% above the purchase price for transaction costs.

Risk, returns, and long-term planning

What are the main risks in real estate investment?

The five biggest risks are: financial (interest rate rises, overleveraging), market (oversupply, demand shifts), property-specific (hidden defects, high service charges), tenant (voids, defaults), and legal (title issues). However, unlike stocks, most of these risks are knowable in advance. Consequently, they can be managed with disciplined analysis and stress-testing. How do I calculate real estate investment returns properly?

Start with gross rental income, then subtract service charges, vacancy allowance (5–12% of rent), management fees (5–8%), and maintenance reserves (1–2% of value). The result is your net rental yield. Additionally, add expected capital appreciation for total return. Finally, since the UAE has no income tax, gross rental income equals taxable income everywhere else — the tax advantage is significant. How can I diversify my real estate portfolio?

Diversify across three dimensions: geography (2–3 communities), asset type (mix apartments, townhouses, and possibly REITs), and holding strategy (long-term leases alongside short-term rentals). Notably, effective portfolio management does not require dozens of properties — three or four thoughtfully chosen assets can achieve most of the diversification benefit. Is real estate a good long-term investment?

Historically, yes — particularly in supply-constrained markets like Dubai. Furthermore, property compounds through three mechanisms simultaneously: rental income, capital appreciation, and leverage. However, the biggest gains typically happen in years 5–10, not years 1–2. Consequently, investors with a 10-year-plus horizon consistently outperform short-term speculators.

Frequently Asked Questions

What is the golden rule of real estate investment?

Buy the deal, not the story. Specifically, every property comes with a compelling narrative — the view, the location, the future potential — but the numbers determine actual returns. Consequently, verify DLD transaction data, RERA rental index, and service charge history before making any offer. Furthermore, walk away if the pessimistic scenario does not deliver acceptable returns.

How much return should I expect from real estate investment in Dubai?

Realistic net rental yields in Dubai range from 5% to 7% after all costs. Meanwhile, capital appreciation typically adds another 5–10% annually in established communities. Consequently, total returns of 10–15% per year over a 5–10 year holding period are achievable with disciplined investing. Additionally, zero personal tax means gross returns essentially equal net returns.

Should I buy property with cash or take a mortgage?

Financially, a mortgage usually produces better returns because leverage amplifies capital appreciation. However, cash purchases eliminate interest rate risk and provide flexibility. For most investors, therefore, financing 50–70% of the purchase strikes the right balance between leverage and safety. Additionally, non-residents can typically borrow up to 50–60% loan-to-value in the UAE.

How do I avoid common mistakes in real estate investing?

Focus on numbers over emotion, budget for full transaction costs (not just purchase price), always inspect independently before signing, and never assume 100% occupancy. Furthermore, model at least three scenarios before offering — pessimistic, realistic, and optimistic. Additionally, work with specialists rather than generalists in every role: agent, mortgage broker, and conveyancer.

How often should I review my real estate portfolio?

Formally review at least annually — every January is a natural checkpoint. During each review, check net yield versus original projection, capital appreciation versus market benchmark, and the community’s supply pipeline. Consequently, you spot underperformers early and can rebalance before losses compound. Additionally, market conditions change, and portfolios optimised for one cycle may need adjustment in the next.

What role does location play in real estate investment success?

Location is the single biggest variable in your return. Furthermore, two identical properties in different communities can produce completely different outcomes over five years. Consequently, choose the community first based on your goal (yield versus appreciation), then narrow to specific buildings. Additionally, community-level factors like service charges, supply pipeline, and school proximity often matter more than the property itself.

Can foreigners invest in UAE real estate?

Yes. Foreign nationals can buy freehold property in designated areas across Dubai with full ownership rights and a title deed. Additionally, a property valued at AED 2 million or more qualifies for the renewable 10-year Golden Visa. Furthermore, as of 2026, off-plan purchases qualify for the Golden Visa, and the minimum down payment requirement for mortgaged qualifying properties was removed.