If it’s the latter, then you’re going to need to devote an immense amount of time and energy to becoming a full time agent.

Is your income considered variable in nature depending on job sites and that you do not work a set amount of hours per week?

Typically people think FHA because it's what's thought of as the least amount down which is commonly the goal when we all get started.

Given the amount of work that it takes to get one of these to market and to self manage, there just needs to be another compelling reason to buy. 

Monthly operating costs vary between €150-250 based on the amount of work and the type of accountant office you would choose to work with (those focused on foreigners usually charge more).It is true that in general this is higher than in many other countries.It is the first time I have heard about the possibility of a virtual office from out of an LLC.

No amount of insurance covers the personal loss.2.

I also own a water restoration and general maintenance business in the area and the amount of STR owners that we have spoken with is insane.  

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

I wouldn't go negative unless i was so confident I could take on that amount like maybe 50-100$ a month.

If I can make a suggestion...Yes with 3 points you might be able to get into the 6's - but let me give a quick example:Let's say loan amount is $250k and making some other assumptions, paying 3 points down would cost $7,500 however that might only save $195/mo.