So your plan somehow sounds like no plan at all, no idea, and pure naivety. You surely don’t believe you can build an apartment building at those costs – unless you build it out of cardboard, put a porta potty on it, and put a corrugated metal roof on top. And rent the whole thing out for 800-900 euros????? If I base it on your land price, the rents in your area aren’t exactly very impressive either. And then 800-900 euros rent per unit with 80m2 – phew. Friends of mine rent out a townhouse (built in 2000) with 125m2 + basement in a good area with relatively high rents for 850 euros, and you want the same for a townhouse with 100m2????? How is that supposed to work? Not to forget that you have to pay taxes on the rental income and set aside reserves for possible repairs, and you also have to factor in rental loss. But feel free to get some offers. Talk to the bank, with an architect. Maybe you’ll believe them more than us and someone will manage to bring you back down to earth.