Building a duplex and renting out a part - experiences

Hello,

we are completely new here and would like to inquire about the following matter:
We are interested in a plot of land that offers the possibility to build a semi-detached house and rent out one part of it. Direct sale of the second half is not an option due to the speculation tax. Or are there possibilities here as well?
Now the question: is it possible to consider future rental income in the financing? Possibly there would even be the option that the parents move in and thus the rent would be "secured."
We would be very grateful for experience/ideas.

Best regards

That's exactly how I do it, the future rent was requested by the banker and accepted without complaint. However, the demand for apartments is extremely high here. There is no vacancy. After 10 years, I check whether a sale of the housing unit is an option or seems sensible.

If you want a capital investment, then a possible rental income will be included in the household calculation. Always keep in mind that this can be reviewed retrospectively.

Don't forget, rent must also be taxed.

And also don't forget that with 1 DH you basically build 2 houses. 250-300 sqm + 100 sqm basement...

Don't forget, rent must also be taxed.

This should actually be more advantageous to the original poster in this situation. In the first 10 years, losses are more likely to occur on Anlage V. These are offset against positive income in the tax return, resulting in a higher refund or a lower additional payment.
After 10 years, you could then easily sell tax-free if this is attractive.