Hi @Sam M.there are great answers on this post but I want to clarify something.In a real estate transaction most of the items are negotiable.

🎉 Congrats to you and your husband on taking the leap into real estate investing!

For those that qualify for conventional financing its another negotiation tool, for those that do not its a way to get into real estate but many do not understand what it is they are signing up for.Regarding it being good for an owner, again it goes back to the borrower, if I have a borrower with 800 credit and I control cashflow its far different than someone with 540 credit.

@Duke Butterfield no one can really answer whether or not real estate is a good choice for you - except YOU!

Its time to get an accountant who specializes in real estate taxation. 

The returns that investors require is generally based on their perceived risk of the project and the investment period.With my CFO clients who do real estate development, most LPs in the small-scale residential space (SFR & 2-4 MF) are investing for 3-5 years and are looking for a preferred return of 8% with an IRR of 16%-18% for turn-key and 18%-24% for value add.

- Stable Market: Germany has one of the most stable real estate markets in Europe.- Low Interest Rates: Competitive interest rates make property ownership accessible, especially for those with stable income like service members.- Military Presence: With U.S. military bases across Germany, local banks are accustomed to assisting service members with financing.How to Qualify1.

All being said, most real estate investors advocate that the earlier you can take action and acquire your first deal, the quicker you'll learn.

Personally if you are looking to grow in real estate going the traditional method/way of getting good properties under agreement with traditional financing will get you to where you want to go faster than trying to find all the needles in a haystack.

My name is Renata Johnson and I'm returning to BiggerPockets to learn all about BRRRR method, along with other forms of Real Estate.