Is financing a single-family house feasible for us?

@OP:

Don’t let yourself be talked into too much here. If you want a party basement, then go 4 it. You are just typical "country bumpkins" and I can understand how cool a party basement is. My parents also had one and maybe our basement will someday be converted into a "hobby room" as well. I also think the idea that a basement is unnecessary is total nonsense.

You come from a different family situation and have a completely different attitude toward life compared to 90% of the people who move around in this forum.
Again: I would NEVER want to dry my laundry somehow in the living room and I wouldn’t be bothered to put all my things in some niches and, inspired by Marie Kondo or whoever else, come up with ideas on how to save even more space. That would NEVER be me, just as much as it isn’t the OP.... That simply has to be accepted. I would rather invest 50k more, save significantly more for 2 years and not spend money on any clothes/vacations or anything else. For me personally, that would be the quality of life...

The trend is going in the direction of: Porsche, city life, 20 vacations a year with 500 posts on Instagram, working 50-hour weeks with 5k net and putting the kid in daycare. I would NEVER want that... I wish for a family life in the countryside in a beautiful house with lots of room and space, a big garden, etc.

You simply can’t have everything, that’s exactly why you have to set priorities.

Don’t let anyone talk you out of it, build your basement, otherwise you (especially) won’t make your girlfriend happy. From the way this reads, you could save exactly in the areas that many others here afford! (Hairdresser, 20 vacations a year, tons of parties and tons of trips, etc.)... You have no problem spending vacations at your own home, in a great house... Then go 4 it!

What does a child do during the flu?

Learning Chinese.