Would you rather use your CPF OA for housing as much as possible, or keep more inside to compound for retirement?

All depends on individual circumstances and affordability.

For your first property, if you can afford using cash, keeping it to compound will save you from the accrued interest clawback when you sell property later on.

You can aim to hit FRS asap - once you know OA is not necessary for housing - transfer to SA to compound faster. This strategy depends if you believe CPF as a safety net for retirement.

Later when your SA overflows to OA; you can look to use your accumulated OA for the second property. Cashflow usually becomes more crucial at a later stage in life.

Individual preference

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