[sgh]

Those elderly who needs cash, cos their CPF income is insufficient to cover their daily expenses, will opt to 'sell' (remaining lease)  to their existing 4-room flat to HDB.......those who can make ends meet will tend to want to rent out their rooms for passive incomes................

If you have experience rent out before and met bad tenants you will be scared. Also register formally with HDB to rent out need pay tax. So for me I prefer to downsize and get monies. Also I am a loner than a social creature. I like to do solo hobbies like listen music play my toy soldiers walk in the park etc