Buy property that pays its own way.
Learn to buy below market value, with rent that can cover the instalment. Chris Yong started his career approving bank loans.
30,000+
students have attended Chris’s classes
The in-person Property Finance bootcamp, Believe HallSee our classes and events
Start here: three free evenings on Zoom.
Learn the numbers from home, then decide whether to buy.
3 nights
Lelong 致富学
For salaried workers and first-time investors: buy homes below market value from bank auctions (lelong) and Firesales (urgent sales), with rent that covers the monthly instalment.
Night 1 · Mindset
Same salary. Why can some people borrow more?
It comes down to the order you plan your loans in. Get the first one right and it opens the door to the second.
Night 2 · Method
Where do below-market properties come from?
Work back from the rent to your maximum bid, so you know where to stop before the auction starts.
Night 3 · Lessons
One wrong buy can tie up your cash for years.
Avoid rental traps, renovate to add value and rent it out, so each property helps you buy the next.
Good to know: the classes are held in Mandarin with some English terms. If you understand spoken Mandarin, you can follow, even if you don’t read Chinese.See what the class covers
Class is where we start,
not where we stop.
From your first lesson to your first tenant, there’s a team and the tech behind every step.
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Teach: The whole method, from A to Z
The free online class and the in-person bootcamp teach loan planning, the rules for choosing property, the auction process and cash flow, all in one go.
See the free class -
Help: Our tech does the legwork
FinDoctor matches you with banks, CY Property Premium rates auction properties and PropCheck analyses shops. You get straight answers.
Explore the technology CY built -
Guide: Someone in your corner when it counts
Our member services team helps you set your maximum bid and follows up on your documents. When needed, they tell you straight: “Don’t buy this one yet.”
See member stories
Six steps, one complete path
Learn the numbers before you make a move
Start with a free online class, then the in-person bootcamp. Get to grips with loans, choosing property and auctions, in one go.
Join the free class
Find the right bank before you apply
Based on your finances, FinDoctor matches you with suitable banks and loan packages from 20 banks in Malaysia. The bank makes the final approval.
Free bank matching
Thousands of listings, sifted for you first
For bank auctions, CY Property Premium shows each property’s rating and how far below market value it is. For Firesales, the team negotiates the price. For shops, PropCheck gives a score and foot traffic data.
Explore the technology CY built
Set your limit. Then raise your hand.
CY’s Lelong team is with you all the way: they help you spot the risks and avoid the common traps, then see the paperwork through after you win. The whole process gets much simpler.
See how members won their bids
Renovation that earns its keep
Spend where it adds value, not just where it looks nice. Get the budget right and the property rents out faster, so the rent can cover the instalment.
Meet the Group’s renovation and rental teams
Steady cash flow? Then think about the next one.
When the rent covers the instalment with some left over, your cash flow steadies and banks are more willing to lend. A second property, then a third: this is how a portfolio is built, one property at a time.
See member stories
Different starting points.
Same method.
Five members: a business owner, a salaried worker, a first-timer born 1995 or later, a young couple and an Airbnb host.
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Shop investmentWith just
RM434,000
he won a shop worth RM2,039,400 at auctionJeffery TeoBusiness owner, East Malaysia
From a rejected loan to a shop at auction.
During the MCO, his business ran short of cash and his bank loan was rejected. With CY Academy’s guidance he restructured his financing and pulled through, then bought this shop at auction.
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Firesales: rent covers the loanExtra each month, after instalments
RM3,000
Two Firesales properties, one 26.56% below market valueEthanSalaried worker
He planned a home. He bought an investment instead.
The plan was a home to live in and a 30-year loan to carry. Instead, Ethan invested first: two properties now bring in RM8,000 a month in rent, one with an 11.04% rental yield. The RM3,000 left over each month is after instalments and other costs.
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Firesales: rent covers the loanExtra each month, after instalments
RM1,000+
A first-timer, using bank financing to buy and renovateEuniceBorn 1995 or later
Her tenants now pay her home loan.
She thought doing her own homework and finding a property agent would be enough. Instead, shortlisting properties and sorting out a loan took a lot of time, and she nearly fell into a trap. The team helped her shortlist high-rent properties and get a suitable loan package.
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Rent covers the loan · 2 propertiesExtra each month, both together
RM2,050
Property 1: RM885, property 2: RM1,165Mr LooAge 28 · earns RM6,000 a month
He bought the first in his own name. Within a year, his wife bought the second.
Both were bought below market value. After the instalments, each one leaves something over every month.
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Firesales: rent covers the loanExtra each month, after instalments
RM912
Bought at RM335,000, market value RM480,000Wee PinAge 26 · Airbnb host
Started with Firesales: the rent covers the instalment, with some left over.
Bought RM145,000 below market value. Rent is RM3,000 a month; the instalment is RM2,088.
These are students’ own experiences. Results vary from person to person and are not a guide to future returns. Property investment carries risk.
See more member stories
Chris Yong 杨景雄 The Financial Doctor, founder of CY Academy Group
He started on the bank’s side of the desk. Now he shows you what they look for.
- 18 yearsin banking and finance, starting in loan approval and credit risk
- Newspaper columnistFinance columns in China Press and Nanyang Siang Pau
- HRD CorpAccredited Trainer
- Malaysian recordFounded FinDoctor.my, the most banks on one fintech platform
- Top BankerWhile at the bank, 3 years in a row
- Nanyang brand awardCY Academy Group, Professional Property Investment Brand (南洋百年品牌奖)
We buy the way we teach.
From Chris to the team, everyone uses the same method to buy their own rental properties, one by one.
We’ve walked this road ourselves. You can start on it too, from step one.
Start with the free class
Team members signing their own sale and purchase agreements and loan documents, one after another. You could be next
Don’t take our word for it.
5.0Google, 403 reviews
96%recommendFacebook, 364 reviews
This is by far the most rewarding course I have ever attended. The content presented throughout the 4 days was incredibly clear, honest, and straight to the point.
Nikki TanGoogle reviewI had the opportunity to attend the DCR Workshop by Chris Yong, and it was truly eye-opening. He broke down complex topics like debt consolidation and refinancing in a way that was easy to grasp…
Cherie TanGoogle reviewThe 3-days workshop was a valuable learning experience. I gained a better understanding of when to buy, how to evaluate rental yield, manage cash flow, and assess the potential of a property before investing.
Connie TngFacebook commentInformative and clear explanations on the class provided by Chris, very useful for life and wealth management.
Ong Zi-YouGoogle reviewTheir insights and guidance on property investment and financial planning are top-notch and truly eye-opening. Highly recommend them to anyone looking to level up their financial knowledge!
Hui Wen LimGoogle reviewThe one-on-one session with Chris was incredibly helpful. … Over the past 10 months with CY, I successfully completed my first investment property cycle.
Paul ChuaGoogle review
In the papers, and in the record books.
- Malaysia Book of RecordsFinDoctor.my: the most banks on one fintech platform
- Nanyang brand awardCY Academy Group, Professional Property Investment Brand (南洋百年品牌奖)
- Malaysia Digital StatusFinDoctor.my, certified by MDEC
In the media
Chris Yong writes finance columns for China Press and Nanyang Siang Pau.
FAQ
Still have questions? Ask us on WhatsApp.
I have no experience and not much capital. Is this for me?
Yes. On the first night you work out how much you can borrow and how much capital you need. If the numbers say you’re not ready, don’t buy yet.
Does the class cost anything?
No, it’s free. The whole class runs on Zoom, so you can join from home.
Can Chris speak at our company or event?
Yes. Chris is an HRD Corp Accredited Trainer and often speaks to companies, chambers of commerce and associations about loan planning, financial health and property investment. See corporate training and talks.
Can I meet you at your office?
Yes, by appointment only, for matters that need a face-to-face meeting, such as member matters, checking and signing documents, or partnerships. Our team handles members’ personal and financial details every day, so to stay focused and keep members’ data private, we don’t take walk-in visits. Many things can be settled if you WhatsApp Cindy in member services. If you do need to meet in person, choose a slot on the Book a visit page. Each visit is 45 minutes.
Companies, partners and press:
let’s talk.
Your first investment costs nothing.
Three evenings, free, from home.
Learn to answer three questions before you buy: what will the bank lend you, what should you offer, and will the rent carry the loan?
