Fully financed property or pay in full

Why on earth use equity for rental properties when financing costs are tax-deductible? I can think of better options.

Because when renting out, you should at least have the ancillary costs as equity. Finance the rest each time. With €500k equity, you can finance between €4-5 million. I did say, leverage with a lot of debt.

The lever is then too big for me again and that scares me. Typical. But 2 apartments + single-family house makes more sense than 1 single-family house...

In this case, professional asset management would really make sense. If you act/invest smartly now, you can really make something of it (even with a strong need for security).

In this case, professional financial advice would really make sense. If you act/invest wisely now, you can really make something out of it (even with a strong need for security).

I agree. Garage parks or care properties, for example, could be interesting.

Whoever has that much money readily available doesn’t ask something like that, unless it’s all an inheritance. Then you should probably play it safe and not take out a loan.

I have financed my house largely with borrowed capital, and the equity will mostly come from physical effort; on the other hand, I have rental properties leveraged with debt and a stock portfolio that is also of significant size. Additionally, I have a relatively secure job with an acceptable income..... So I fully financed my house project, although I could have paid for it in cash. But I was able to do this because I have been dealing with financial matters for a long time..... It doesn't have to be black and white. You can bring in some equity as well as engage with investments. But don't rely on financial advisors, you are just a small player with the money to people who know their stuff, or you end up with little Fritz who has zero knowledge but knows what commission they can get on which product.... If you have absolutely no interest in dealing with such stuff.... pay for the house in cash!