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Good point. But I'm coming from the angle that there may be some super profit to be made by parceling up neighbouring properties and then on-selling to another developer for a bigger block of units than what the small guys do themselves. There has been some interesting threads recently were...

You have not provided enough details on your situation for people to respond with specific useful advice. It would seem you're in steady employment, over 49 years of age and cautious by nature. Need to know all sorts of other information such as age, remaining working years, family situation...