Financing check - realistic or nonsense?

I don’t see it as quite so critical. The fixed base salary isn’t very high, but there is still a real chance to earn more real money if the woman manages to turn her hobby into a legal business or take up another regular job. (Das sollte sie sowieso mindestens mal zwei Jahre, damit es nennenswertes Elterngeld gibt.)

With 140m² or less, cost-saving construction methods, and without €100,000 for outdoor facilities, it could still all be feasible. Outdoor facilities will come once money starts coming in again. Until then, only the absolute essentials will be done for €20,000 (entrance, splash protection, simple terrace, etc.). Parking on the street will just have to do for now.

The thread starter is still at the very beginning of their journey into home ownership. It will work out.

Outdoor facilities will come once money is back in.

And who exactly is going to put that in front of the door?
Sorry, if it doesn't work out in theory now, it will fail twice as much in reality!

Until then, only the bare essentials for €20,000 will be done (entrance, splash guard, simple terrace, etc.).

That's what I thought briefly too - but it is a slope, so there's no sitting out the exterior work for later... and I don’t see any income flow in the coming years either, unless you take the "10000" from the woman.

Actually, there are only two types of home builders: those who tackle the outdoor areas within 1-2 years and those who still don’t have a terrace after 10 years and park on gravel.

and I also don’t see any salary inflow over the years, unless you take the “10000” from the woman.

The woman must contribute somehow if outdoor facilities are desired. The thread creator's salary alone is definitely not enough.

Actually, there are only two types of home builders: those who start with the outdoor facilities after 1-2 years and those who still don’t have a terrace after 10 years and park on gravel.

The risk here is also that no money remains from the hobby after all. But only the thread creator can honestly answer that for himself. What counts is not what could remain, but what really remains in the end:

Thus, we will manage the income so that after deducting the (partially calculated) costs for feed, vet, insurance, breeding, outdoor facilities, shears, etc. we have no income left. That way we are on the safe side.

If it is presented this way, then the income from the hobby is equal to zero :(

a little more about the granny flat. Which active and healthy parents move into a 40m² apartment. Something like that is for single retirees, commuters, or students. But they have to be there. At the price per m², it is not a university town with many jobs. If the tax office does not assume a profit motive, then there is no profit even with €10,000, because you cannot write off and deduct that much with a dog breeding business. If €2,000-3,000 remains, that is already a lot and that will be spent on the owner’s own dogs. That means the breeding finances the owner's own hobby. and not working at 28 (anymore), you just have to be able to afford that