Investment property on the coast.

[Xanthia Alysha]

We have been looking for a property on the coast that we can buy now and rent as an investment then use later to semi retire to. We wanted to secure one that has what we need in regards to the water and lake and bush. We found a property that ticks many boxes however the rental return will never be a good as buying a unit in our city for around the same price. We are afraid though that in 10 years or so the kind of property we want will not be available and affordable and that we will not be able to actually borrow again for it as our wages will be less etc. We are in a deep discussion about our future lifestyle versus servicing a loan a little easier now with the rental - not to say that over the years as we improve the coastal property, a house, we can charge more rent.We also think that as an aging society and people wanting to retire to the coast these coastal properties will become harder to actually find. Any tips?