I don't really have as much knowledge about financing as the experts here, but I wonder: Why is there such a desperate attempt to set up a financing? Have your data so far been checked by a bank etc. with all your current monthly costs, or have you just been somewhere once to get a model created? For me, that would be way too many components just for one thing!
Therefore, this is also great input and I have already learned a lot about what to pay attention to
Here I wonder what you have learned? When you read through the multi-page post, it seems like an even bigger question mark to me.