Commercial programs a heavily dependent on location and NOI (less one size fits all compared to residential). 

Housing is still affordable compared to other markets, which keeps renters and investors coming.

With down payments as low as 5-10%, plus low property taxes compared to the U.S., investing in German real estate is more accessible than you might think.If you’ve ever thought about owning property overseas but felt intimidated, stay tuned.

That would show you exactly what they are each looking at to compare your property

Since you can't control the sale price, you basically have a $4k cushion to your reno costs, or otherwise you lose money compared to the as-is scenario.

For example how many units in your comparable are classic vs Platinum. 

With 40-60K in equity you could explore selling to reinvest but it depends on what deals are out there compared to yours

Where comps come in to to compare "cap Rates"  (a measure of financial performance) of recent sales. 

But even if you want to do large deals, you need comparable reps.Technology has made it easy to "analyze" deals.

Key Factors for a Good Seller-Financed DealCash Flow: Rental income should exceed monthly payments (PITI) by at least 1.25–1.5x.Purchase Price: Compare to ARV and market value for fair pricing and equity potential.Interest Rate: Aim for competitive rates; higher rates must still allow positive cash flow.Amortization/Balloon Terms: Favor longer amortization and align balloon payments with your exit strategy.Down Payment: Lower upfront costs reduce risk but should meet the seller's expectations.Flexibility: Seek no prepayment penalties and fair late-payment clauses.Property Condition: Ensure the property’s condition matches terms through inspections.Seller Motivation: Assess the seller’s willingness to negotiate favorable terms.Exit Strategy: Have a clear plan for refinancing or payoff at term end.Portfolio Fit: Ensure the deal aligns with your financial goals and risk tolerance.Vetting multiple deals and consulting professionals is crucial to making sound decisions.