3-FH planned without basement, your feedback on my floor plan

You are the sole breadwinner, initially increasing the debt by 250k to 300k, the monthly burden, the risk. What do you do if a tenant doesn't pay? That risk is always there.

You need reserves almost from the start. Tenants don't always treat other people's property with care. On Sundays, the calls come in: toilet clogged. You are the janitor.

You ruin the advantages of owning your own home. No undisturbed time in the garden Noise from your tenants Tenants complain because your children make noise

Later, when others think about age-appropriate living, you want to move upstairs.

Where should the trash bins for 3 households go? Parking spaces are also needed. Is there no storage room and laundry room for the tenants? Almost every rental apartment has a storage room outside the apartment.

My financial advisor told me:

For a single-family house: get about €360,000 including land For a 3-family house: about €540,000 including land The land cost about €110,000 I would have to pay about €1,600 per month for interest and repayment for both variants with a 15-year fixed interest rate.

Will not be enough for 300sqm

would have to pay about €1600 every month for both variants for interest and repayment with a 15-year fixed interest rate.

Because someone might have already offset the possibly incoming rent. Has that person also taken into account the income taxes you have to pay on incoming rent? That is not a serious comparison.

Either he has already taken the rental income into account, or you have a significantly higher outstanding debt with the 540,000.

360,000 for 150 sqm and land is not enough.
540,000 for 300 sqm and land is not enough.

With 540,000, your financial advisor receives a higher commission.
That is certain.

The idea of building two fully-fledged multi-person granny flats is fundamentally appealing to me. However, it seems to me that here, the qualitative weight of the dog compared to the tail is not the main issue.

I see an object with the charm of a rental building here. And in my opinion, this is mainly because, conceptually, this is not really a three-family house. Rather, it is a four-family house with a combined double apartment on the ground floor. That would not be nice enough for me as a self-user.

The planner seems to me to be a typical occasional multi-family house architect: they like to do it this way with "Zweispänner" in the form of identical twins, a practice that commercial multi-family house developers have already abandoned in the 1980s. Basically, it looks to me like a cookie-cutter design from that era, tinkered around with [WDVS]. Harshly put, it fits [OWL] (in the sense of the Bielefeld conspiracy).

My approach, instead of a main owner-occupier, would be the other way around: planning the other apartments above mine (and not mine below the others).

This way, I would avoid problems as a landlord who is too hands-on, not revealing my property to the tenants at all, and putting my brother-in-law in Buxtehude forward as the administrator ;-)

The idea of building two fully-fledged multi-person granny flats is basically appealing to me. However, it seems to me here that the qualitative weight of the dog compared to the tail is not the main point.

I see an object here with the charm of a rental house. And in my opinion, this is largely because, conceptually, this is actually not a three-family house. Rather, it is a four-family house with, on the ground floor, a combined double apartment. That would not be nice enough for me as a self-user.

The planner seems to me to be a typical occasional multi-family house architect: they like to do it this way with two-unit buildings in the form of identical twins, which commercial multi-family house developers had already abandoned in the 80s. Basically, it strikes me as a drawer design from that time, tinkered with on ETICS. Badly said, it fits OWL (in the sense of the Bielefeld conspiracy).

My approach, instead of a main owner-occupied apartment, would be the other way around: to plan the other apartments above mine (and not mine under the others).

I would thus avoid problems as a too close landlord, not reveal my property to the tenants at all, and put my brother-in-law in Buxtehude forward as the administrator ;-)

well, that's what we told him ... that is, how the layout on the ground floor could be.