Sell an apartment from a two-family house immediately after completion

Careful, I’m about to make myself unpopular…
If you can’t/won’t afford it, then don’t do it.

Because I can’t afford a whole house, am I not allowed to have an apartment?

There are specialists for that.

For what?

It doesn’t make it any better in any case that living space becomes a speculation object, but at least someone benefits from it.

Who is talking about a speculation object? I build a house after searching for a building plot for years, which was also very expensive. I bear all risks, I hire craftsmen, I check the craftsmen’s work, I go to the bank, to the notary, to the office... and when everything is finished, I sell one apartment to the person who seems to me the most compatible neighbor and who pays the best price. If you know someone who does this at cost price, then please give me their contact details. Then I’ll abandon my project and buy from her/him.

Why don’t you find someone who buys half of the plot and you two build a semi-detached house together?

I even did that, but nobody wanted to, because most people don’t want to deal with the building organization but want a finished property.

Why don't you look for someone who buys half of the property and you build a semi-detached house together?

I actually did that, but no one wanted to, because most people don't want to deal with the construction organization, but want a finished property.

Then everything is clear: build the two residential units in a semi-detached house design, because almost no one is looking for condominium units in two-residential-unit buildings—at least not without a terrace-connected garden share. You just have to calculate your sales-related tax burden in advance and factor it into the house price.

Difficult idea. You have too little money / income for a single-family house. But you want to finance a two-family house in order to sell one unit from it. Do you also have a financing partner who is on board? Why didn’t you just look for a condominium?

If you can build the property, meaning you get financing, I would not sell an apartment but rather rent it out. The result would be that you build wealth and the apartment pays for itself.

Man, man, man... there is a knot in the head - what one cannot afford, one does not build.

Man, man, man... there’s a knot in the head – what you can’t afford, you don’t build.

Maybe he just expressed himself incorrectly? More like in the direction of "want to afford." If he can get the two-family house project off the ground (meaning the bank says yes), then he can "afford" it. And it is quite economical to think about not just building a single-family house on the expensive plot. Maybe he’s also thinking that if he bears the construction risk and sells an apartment upon completion, his own apartment will just be cheaper because there’s a small mark-up on the construction costs. None of this is objectionable, as I see it.

Don’t always immediately pull out the "you can’t afford it, forget it" club.

Planning as a two-family house isn’t that dumb at all. That way you have different options for what you can do with it. As a luxury single-family house, as a ground floor with two apartments, or as a landlord of one apartment... or a sauna club (just kidding).