I'm slowly starting to wonder what this thread is supposed to be about. You brush off all concerns, there is an answer to every criticism. What exactly do you want to know from us?
Just go to a bank, then you'll see that you won't get a loan of this size anyway.
Save your planned installment minus cold rent directly from your salary at the beginning of the month for 12 months. No cheating, no fallback, no cuts because of this or that. If that works, then we can continue talking here and there is also a small foundation. Before that, it's all just a big pipe dream.