Flat rates for living expenses make construction financing impossible...

We want to buy a small house to rent out in a somewhat unusual constellation: Person 1, me, student without income, living with parents Person 2, boyfriend, student with good income, living with parents Person 3, his father, good income, owner of residential property Due to the flat rates, this counts as three(!) households in the financing, and so 3 x 850 euros flat rate and two rental flat rates are deducted (although living at home), so that we do not get a construction loan. What do we have to do to get money? We really have enough money left per month, with a sufficient buffer. Are Deutsche Bank/Commerzbank etc. different from cooperative banks/savings banks? Thanks

If you get a loan somewhere, then only if the father offers his property as collateral. If one of you stops paying his share and the others cannot take over, his house/apartment is lost.

Why would a student want to tie themselves to a rental property? Ownership also comes with responsibility. And costs.

Hello, maybe the father should simply act as the sole borrower. If that doesn't work, I heard during our search back then: If [die alte Leipziger] doesn't finance it, no one will. You can try there, but it should be correspondingly expensive! Good luck!!

what should one answer here?

one has nothing, one a "good income" (whatever that may be)
one "homeownership (paid off? income)

and what the whole mess is supposed to cost is also not said....

any answer here is a lottery....