Well first it was luck, managed to get my property en bloc for 1M profit in 2007, then took banks loans to flip 2 condos and 1 semi D for another 1.6M profit (bought when prices were lower in 2009 and early 2010). The rest of the 1.2M came from a good paying job, diligent savings (stayed with parents while buying, selling and renting out properties), stock gains, and appreciation in value of my current terrace home.