House construction and sale - current residential property

Bridge financing. Always realistically assess here what the sale will actually bring in and whether the amount needs to be increased for ongoing interest payments from the loan.

Condominium/semi-detached house: income value usually higher than material value
Single-family house: material value usually higher than income value

And who cares about the income value for these types of properties? Neither buyers/sellers nor any appraiser think of determining it. However, if you mean with these statements that the yield rises from detached single-family houses to semi-detached houses/terraced houses up to condominiums, then I agree with you. Although from a yield perspective, I would never buy or build a single-family house in any form.

And who cares about the income value for these types of properties? Neither buyers/sellers nor any expert comes up with the idea to determine it. However, if with these statements you want to imply that the return increases from detached single-family houses over semi-detached houses/townhouses to condominiums, then I agree with you. Although from a return perspective I would never buy or build a single-family house of any kind.

Basically, that was what I wanted to say, yes. Return single-family house < return semi-detached house/townhouse < return condominium (in the normal case)

I do think that "professional" real estate investors regularly calculate the income and asset values of their properties. Even I do that for our condominium. The calculation and the corresponding result before purchase were, by the way, one of the reasons for buying...

I do think that "professional" real estate investors regularly calculate the income and asset values of their properties.

Asset values for individual properties such as condominiums/single-family homes. Income values for income properties such as multifamily houses, logistics, care facilities, hotels, etc. Professionals do not calculate income values for an apartment. Professionals usually do not have individual apartments either.

Tangible assets for individual properties such as condominiums/single-family houses. Income values for income-generating properties such as multi-family houses, logistics, care, hotels, etc.
Professionals do not calculate income values for an apartment. Professionals usually do not have individual apartments either

Income approach for leased properties and tangible asset approach for owner-occupied properties, that is the banking practice.

The OP doesn't even want to rent out (neither do I, by the way), putting financial aspects aside, personal interest also counts here. Bridge financing is expensive, as already discussed. You can also do financing with a short fixed interest period. After the fixed interest period, you are free in repayment. That should be significantly cheaper. Alternatively: sell your apartment today but hand it over only after moving into the house. Advantage: you already know the proceeds from the apartment and can directly fix the necessary remaining financing. Bridge financing only for the proceeds from the sale. Disadvantage: finding a buyer is a bit more difficult.