Loan amount - What is achievable?

Wrong or luck? Whether someone did something wrong can only be seen when the risk occurs.

No risk, no fun. Steve Jobs, Dietmar Hopp, Jeff Bezos, or others have also said that. If you risk nothing, you can lose nothing. That is probably true. But you also never have the chance for success. So: keep going, but keep your eyes open.

Who risks nothing, can lose nothing

Nice platitude. Should become the motto for personal bankruptcies. Like a farewell phrase.

Whether a single man or woman risks something or a family... oh sorry, too much reality. Moving on.

And who really risked how much in your example should be analyzed more closely before mentioning the names. That was mostly well controlled.

The total amount of debt would still be way too high for me given the rather small salary and everything being interconnected through [Grundschulden]. I wouldn't do it. But the mood in this thread has changed. In the end, you have to decide. You will only hear opinions here.

Well, what do you mean by mood. If there are vacancies or tenants don't pay, the garden or vacation has to wait. That would be too stupid for me.

The question I ask myself: do you still have some buffer if the apartment is vacant, something needs to be repaired, the tenant stops paying...?

Who risks nothing, loses nothing

Nice platitude. Should become the motto for personal bankruptcies. Like a farewell phrase.

Whether a single man or woman risks something or a family... oh sorry, too much reality. Moving on.

And who really risked how much in your example should be analyzed more closely before mentioning names. That was mostly well controlled.

Thanks wonderful, that’s exactly the answer/reaction I expected. Then explain what is uncontrolled about the OP’s situation? Reasonable liquidity situation to cushion vacancies and renovations (part of which the state pays anyway through Anlage V+V). Decent asset situation.
All that at the end of the 20s.

What should the OP do differently? Please provide concrete suggestions or calculations on what would be better or how to calculate the OP’s financial overextension. Crying “mimimi” that the risk is too high is easy. But naming it concretely is difficult.

Completely clear that there are people for whom this “risk” is already too high, but what is an adequate risk?