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

20,000 euros including labor Which pollutant class is included? Is gutting included as well? You have received enough hints where the floor plan is not optimal. Paper and pencil You have to do it yourself Look for bungalow floor plans for your apartment as inspiration. Always draw with proper furniture Imagine you live in the house 2 children's rooms will not work for 5 years. The age difference of your girls is too large

The property has already been cleared out... 20k, complete with filling in the old basement (RC material) The ground floor was our idea and the architect then drew it.... in our case, the living and dining area is on one level, on 2 levels it would of course be nicer.

Why should something like that be nicer on 2 levels?

You should first work on the basics:

[*]HAR/technology belongs in a generally accessible room
[*]Washing machines / drying space for 3 households
[*]Bicycles, parking spaces, garden stuff, etc. for 3 households .. for me a basement

And when we point out financing issues, it's not for fun. When I read something like

Example regarding costs....
I had quotes for the shell construction, so *approximately* (benchmark for such a property)..
-several wanted about 130,000 euros, another wanted 240,000 euros for just 140 sqm... only the walls and base plate
- another example....an architect wanted only 14k for the design and building application: other wanted 5-7k.
of course such things add up and then you end up with a sum you can no longer pay.

then I obviously wonder how reliable financing plans are.

I had roughly calculated it in , really just roughly, but are cold rents in the area of about 8 euros/sqm even achievable? And then without the features I listed above?

If you prefer to live over 2 levels, then plan the two apartments to be rented out stacked on top of each other on one half of the house and your house over 2 levels, possibly 3 levels if the attic is added, on the other half of the house. So basically a semi-detached house with two residential units on one side and your residential unit on the other side (and you can take the nicer side).

Advantages:
- You have a separate entrance and do not have to share the stairwell with the tenants
- You have direct access to the attic and it can possibly extend over the entire house area and be used only by you.
- No one can stomp around over your head
- Clever garden layout gives you more of a feeling of having your own house than if someone is always looking down from the balcony above
- As storage space, you can provide the tenants with a garden shed (more cost-effective than a basement)

The previous remarks still apply of course (storage space, parking spaces for rented units, freezer room accessible to all, larger bathroom for a family of five).

Nevertheless, I also get really nervous about the financing. Let a problem tenant catch you and then the house of cards collapses. You have to be able to manage at least one year without rental income without having to ask for help. It takes ages to obtain a legal order and lawfully evict someone from an apartment. During that time you will incur legal fees in addition to the missed rent. Usually, you can be glad if you finally get the people out of the apartment. The outstanding rent is usually never recovered, just like the legal costs. Such people have no money and you cannot get blood from a stone. And don’t come with "choosing tenants carefully". It can always happen. My parents rented to a well-paid software developer who was in the hospital for a long time due to an accident that was not his fault, could not work (he was a freelancer), received no money, paid no rent, then skipped town... etc. Until you can even request a bailiff (and before that you are not allowed to enter the apartment)... as I said, count on a worst case of 1 year of lost rent plus additional costs. And you will be stuck with those. I would only do something like this if I know that I can handle the worst case. Of course everyone hopes it never happens, but you should be prepared. I don’t see that here.

If you prefer to live over 2 floors, then plan the two apartments to be rented one above the other on one half of the house and your house over 2 floors, possibly 3 floors if the attic is added, on the other half of the house. So basically a semi-detached house with two residential units on one side and your residential unit on the other side (and you can take the nicer side).
Advantages:
- You have a separate entrance and don’t have to share the stairwell with the tenants
- You have direct access to the attic and it can possibly extend over the entire house area and be used only by you
- no one can stomp around on your head
- clever garden division gives you more of a feeling of having your own house than if someone is always looking down from the balcony above
- As storage space, you can provide the tenants with a garden shed (more cost-effective than a basement)
The previous comments of course remain valid (storage space, parking spaces for rented units, freezer room accessible to all, larger bathroom for a family of five)
Still, I get really nervous and anxious about the financing. Let a rent nomad catch you and then the house of cards collapses. You have to be able to go at least one year without rental income without having to raise your hand. It takes ages to get a court order and legally evict someone from an apartment. In the meantime, the legal costs add up on top of the missing rent. Usually, you can be glad when you finally get the people out of the apartment. The outstanding rents are usually never recovered, as well as the legal costs. Such people have no money and you can’t squeeze money out of empty pockets. And don’t come with "choose tenants carefully". It can always happen. My parents rented to a well-paid software developer who was in hospital for a long time after an accident that wasn’t his fault, couldn’t work (was a freelancer), got no money, didn’t pay rent, then ran away... etc. Until you are allowed to send a bailiff (and before that you are not allowed to enter the apartment)... as I said, calculate in the worst case with 1 year of rent loss plus additional costs. And you will be stuck with those.
I would only do something like that if I know I can handle the worst case.
Of course, everyone hopes it never happens, but you should be prepared.
I don’t see that here.

We had also considered it... need to discuss it again.
With the tenant, sure, it’s annoying, but that can happen to you as an owner too... that’s why 2 tenants, so in the worst case you are at least somewhat secured if 1 tenant defaults... that’s why it’s safer for the bank, from what I’ve heard.

Thanks for the comments....sorry, but my question is actually different or did I write anything about what something like that costs?!

I just wanted to know first what else could be done with the design and if I want to know something about financing, then that's a different matter.

I don't want to come across as ungrateful, but I can't make much of posts like that :)!!!

Well, if the question of financing is so unimportant, then you have enough money to find an architect or draftsman who will cobble together a few designs for you. But he will probably ask about the money first. No one will pick up a pencil here beforehand because it’s pointless.

Gutting is not emptying
Door, windows, insulation, electrical cables out, wood and ceiling paneling off

The offer is extremely cheap. Do you have comparable offers?