Loan amount - What is achievable?

So the thing with the parental home simply comes from the fact that I bought my apartment as a student. Because of that, I had the same rate as if I had paid rent, but with the difference that I was paying off my apartment (even if not much) and in addition, there is the not insignificant increase in value since 2012... So I think that was a great deal for me!
The mortgage on the parental home is low and therefore back then as well as today does not pose a threat. The apartment cost 85,000 in an unrenovated state (I did most of the work myself + also converted the attic) (no realtor). The increase in value simply comes from the renovation, the attic conversion which doubled the living space, and the positive value development over the last 6 years.

There are reserves for the house. The heating was completely renewed 6 years ago (including pipes) and there are reserves for a roof renovation which is due in the coming years. So not too much can happen. Also, vacancy in the Munich catchment area is currently absolutely not a problem. That's why I still think it was good to buy this apartment as a student.

The second apartment, which is currently rented out, is in the same building. I got this at a fair price and without a realtor. I bought it and simply split the mortgage over the two apartments. It was basically planned as a self-runner as shown in post #14.
Then there is a loan running until I am 65... As long as it is covered by the rent, I just have to buy laminate every few years and renovate the bathroom now and then, that’s good, right?

Apart from that, after the first fixed interest period (until then the rate does not change), I can still sell if the interest rates are so high by then that the rent no longer covers further financing.

I got my current apartment so cheaply that in my opinion there is not much risk involved.

Those were my motives and thoughts to act this way.
But I will take that to heart, sit down again and think about whether a sale might be more sensible, which is the consistent tenor here.

To be honest, as a banker I think the situation of the OP is simply good! He has done everything right so far.

Rented properties in the Munich area: top
Asset situation: very good for his age (net worth approx. €250k according to data)
Outlook for house construction: also good
Liquidity situation: good (€5,500 income minus €450 for apartments and calculated €1,800 for house construction €440 (5% annuity) = €3,250 "left over" - taxes, living expenses, maintenance for apartments, etc.)

Let the rented apartments be financed as highly as possible with little repayment. Savings go into the own home. Furthermore, the previously owner-occupied apartment still offers financing possibilities for a house construction – then the own property also saves taxes. Good.

With the income and the rental income (especially the surplus from the owner-occupied apartment) something can already be achieved.

Where is the problem? I don’t understand all the negative comments. The OP is probably doing better with this than 80% of all people in Germany.

Which 5500€?

I read 3800€ including child benefit
- installment for property 1 & 2
- installment for the land
- provisions for property 1 & 2
- then the installment for the house including provisions
- living expenses
- insurances
- consumption
- provisions for the car

The income is not "made" for all of this together

Salary increases in the public sector are more meant as inflation compensation, they are not real salary increases.

I read €3800 including child benefits

Especially because one should not forget the "risks" component for the existing properties and other life risks.