I can understand the arguments against the granny flat. However, I am convinced that the apartment would find a tenant even before completion. There is an absolute shortage of housing for singles, young skilled workers, young couples, etc. in our area. For example, we have been looking for a rental apartment in the mentioned town for a long time for the period after our return. No chance. In the newly developed building area, I only know two properties with a granny flat. Demand is constantly growing. Depreciation is interesting, allocation of future repairs and modernizations, second KfW loan, equity is entirely used for the self-occupied part, the granny flat is 100% financed, during our next foreign assignment part of the house will be occupied, if one of the children later gets into "difficulties" the apartment can help, etc.