ᐅ Building a Duplex and Renting Out One Unit – Experiences

Hello,

we are new here and would like to ask about the following situation:
We are considering a plot of land that allows for building a duplex and renting out one part. Selling the second half directly is not an option due to capital gains tax. Are there any alternatives in this regard?
Our question is: is it possible to include future rental income when arranging financing? It might even be possible that the parents move in, so the rent would be “secured.”
We would be very grateful for any experiences or ideas.

Best regards

That’s exactly how I do it. The prospective rental income was requested by the banker and accepted without any issues. However, the demand for apartments in our area is extremely high. There is no vacancy. After 10 years, I assess whether selling the residential unit is an option or makes sense.

If you want an investment property, possible rental income will be included in the budget calculation.

Always keep in mind that this can be verified retroactively.

Don’t forget, rental income must also be declared for tax purposes.

And don’t forget that with 1 duplex house you are basically building 2 homes. 250-300 m² (2700-3200 sq ft) plus 100 m² (1100 sq ft) basement...

hanghaus2000 schrieb:

Don’t forget, rental income must also be taxed.

In this situation, it should actually benefit the original poster. In the first 10 years, losses are more likely to occur on the property schedule (Anlage V). These losses can be offset against positive income when filing taxes, resulting in a higher refund or a lower payment due. After 10 years, it may then be possible to sell the property tax-free if that is advantageous.