your property

im still confused what you should do for getting new property.

should i: 1.buy from the estate agent and renovate it myself

                2.buy from other people (ofc the fully upgraded)

                3.use a leased property

i want to increase/keeping my networth stabile.

3. Use a leased property.

The logic is simple: the money used to buy a new property can be put into your investment of choice (bank etc.) to generate more money than the rent you pay, that extra money is how much you gain from choosing to rent / how much you lose from choosing to buy.

Don't buy and upgrade yourself - it's far too expensive.  Unless you have the stock blocks to lower the price - but even then you might find cheaper on the market.

Until you're stable and generating passive income renting is the way to go.

rent is the best way

buy only when you have maxed bank investment and stocks have no more good ROI 

renting is the best way in your case :)

Rent, don't think about it again til you pass the 28b networth mark.

People working in Property Broker companies and those who own the ELT stock benefit block each get a multiplicative 10% discount on property upgrades. This means people who have both have a 19% discount (0.9*0.9*price). People with their educations done can also buy PIs 5% cheaper from the system (475M versus 500M), and users selling base PIs to these individuals have to beat that price and traditionally do it for 470M. All of this combined means you'll definitely save money buying from others. For you to buy from the system and upgrade versus them buying from a user and upgrading is $1,952,788,000 vs. $1,646,758,280, or about 306.03M difference, minus whatever profit portion they work in. 

Also worth noting, buying one upgrade in a category contributes nothing to a further upgrade in that category. So if you buy a Small Vault, for example, and want to upgrade to an Extra Large Vault, it's just as expensive as if you had never bought the Small Vault, making that money entirely wasted. People can and should skip straight to the largest upgrades when they do upgrade. 

Don't ever lend a property to someone with those discount perks so they can upgrade it unless they give you collateral. They could easily scam your island. 

In the meantime, like everybody else was saying, you would do well to rent initially, invest your money in the bank and some stocks (SYM1, FHG1, etc) and buy a max PI when you're ready. If you trust your spouse, it's a cost you could split, along with the daily upkeep, since typically it works best for couples to both live on the same property. 

Edit: the downsides of sharing the property with your spouse are the risk of the nominal owner stealing it and/or the vault contents, the fact you won't each have a full vault space to use for yourselves, and that if people are mad at either of you, they can pick the weaker of you (or whichever isn't both in Torn and Okay) to use prank items on (toilet paper, stink bombs, dog poop) to reduce both your and your spouse's Happy. So if your spouse is trustworthy to you but is chronically severely aggrieving people, you may well want your own place. 

Hopefully that covers everything there is to know about renting and then owning a PI. 

Depends, I'm using a leased property for my gf and I, but it's a 22 mil a month p.i, it makes profit, 10 extra slots for buying items, that's at least 500k profit per trip to South Africa, so that's 1 mil for the two trips a day, but also gives a bonus third trip, so in total I buy 49 extra items a day, I suggest getting married to someone in faction, or someone you know, rent a 12 mil a month starter p.i with just airstrip, and make money