Financing questions for planning a single-family house plus a granny flat or two single-family houses

Hello everyone!!!

My wife and I have been planning and considering for a long time (both 26) about a single-family house with a granny flat or two single-family houses for us and my parents. We both live together in a rental apartment of my parents (3-family house, 2x 100 sqm plus 1x 75 sqm on a 797 sqm plot).
We support them where we can with the rent, because my father is ill (severely disabled) and my mother takes care of him.

We have now sat down with them and have thought about a way forward for the two of us.

About the framework conditions:

Net income together -> €3000 (my wife and I)
Remaining debt on the house -> €30,000 with monthly €800 at 2.6%
Parents' income -> €1600 (without rent)
Equity -> approx. €20,000 plus another €15,000 from the parents

Now we have thought about whether we should make a gift to me (from the 3-family house)! Does that really help with financing because of future rental income? Do we possibly have an advantage due to my father's severely disabled ID?

Is it possible to somehow arrange something??? Or should we still change something???

I am grateful for any constructive answer!!!
(Sorry for some mistakes, I am writing with one hand because the other is broken :( )

Hello,

this falls under the category of tax consulting. You should consult a specialist for that.

Basically. Do you want to keep the 3-family house and let the parents continue living there and purchase a new single-family house or two-family house?

Or is the 3-family house also to be sold?

You are already aware that if you move out of the existing house, a rental income will be lost and you will have to find new tenants.

Regarding the 2-family house, there are still about the costs missing in your area.