If you are lucky, it will cover all your costs related to the property (bank rate etc.).In Germany, real estate is a long term investment where usually the biggest gains (depending on region) come from appreciation.

The 10% of total cost is significantly less than what 50% of the estimated profit would be. 

I have houses in 2 different neighborhoods and I don't have issues but I know there are worse neighborhoods than the ones I rent in.

I'm thinking it's better to do 25% DP on a smaller place than 10% DP on a bigger one so my options are apartment or small townhome.

I have tried emailing the sales team a couple of times but no new info.   

But its been longer than usual since I've been there. 

I dropped Revere Pewter and have mostly used Light Pewter as a common color in the house with kitchens and bathrooms being something colorful, usually blue for kitchens and green for bathrooms.I use HD Behr Marquee which is around the middle of HD paints in quality.

My wife and I just moved to Ottawa from the GTA to be closer with family.

There are some additional things that could help determine which loan product is best for your situation.203k Best When:- Credit scores 680-720 or less- Renovation will improve the value of the home more than 75%- Renovations will be on or in the home - no new yard projects, only fixing existing- Higher Debt To Income (can get approval with up to 56.9% dti)HomeStyle Best When:- Purchase + Renovation costs will come in higher than FHA Limits- Home improvements will only improve vale 75% or less - 720+ credit or 20% down (of purchase price + reno cost) to avoid PMI- Exterior Projects (fence, hardscaping, pool, outdoor kitchen)- Lower Debt To Income (sometimes as high as 50%, many times between 45-50%)- Renovations that are greater than $35,000 (soon this will move up to $75,000)Happy to answer any other questions that you may have!

There will always be one that seems like its better than what you already have.