Yes, I meant operating costs. Ideally, I find a nice lady who earns well, and suddenly entirely new possibilities open up
I would simply wait overall and build up equity. For me personally (I already own a house), the costs for building or buying are currently way too high. In rural areas, prices will fall again. Trying to have something at all costs right now is not so good. Keep an eye on the market situation, ask the bank about your options, and maybe you can have your name added to the real estate department of the bank.. ETW would not be an option for me at all..
There are few offerings of townhouses here except for some "collector's items" from 1974 for 360,000 euros
No matter what you do. Definitely bring expertise on board. So for existing buildings, a surveyor in the 2nd or 3rd inspection of the property. For new builds, independent construction supervision. But a completely different question. You say 800 to 900 per month. (Hopefully after increased ancillary costs for the house have been taken into account). If you assume 5% annuity, you come to about 250,000 volume with the equity. But with your cost breakdown, I come to just under 300,000 Have you thought about that already?
I would not build a house as a single person. Too many uncertainties in the future. And selling again is also not so easy, since you have to cover the financing costs as well, not just the purchase price.