The scaling of STT-MRAM for deeply scaled nodes (e.g. sub-10 nm CMOS) requires low resistance-area-product (RA) magnetic tunnel junctions (MTJs) to contain switching voltage (Vc) and to assure high endurance. In contrast to various reports, we demonstrate systematic engineering of low-RA MTJs without trading off key device attributes and remarkably, with higher barrier reliability. The MTJs integrate an ultra-thin synthetic antiferromagnetic layer (tSAF) with a Co/Pt pseudo-alloy pinned layer. By reducing RA from 10 to 5 Ωµm2, significantly reduced Vc and reliable switching at 5 ns have been achieved. Furthermore, the breakdown voltage (VBD) has been improved. The results suggest that the tunability of MTJ is extended to sub-10 nm CMOS for high-performance and high-reliability MRAM.