again, if you have 3.5M and a 2nd hand car

mag-down ka sa bagong tsikot
mag-down ka sa condo na rfo na
bilhan mo ng basic furnitures/appliances yun condo mo thru your credit card thru installment
pa-advertise ka sa dyaryo, for rent for expat yun condo mo. per day or per mo.

may bagong tsikot ka na,
may income generating asset ka pa like the condo for expat for rent hehehe