You have to really understand the cultural norms in Belgium - is it normal & acceptable for people to regularly just rent out rooms in other people's homes, or a bunch of strangers to cohabitate in one home? 

Now I don't necessarily agree with this, however, I am very new to this world and I am curious if converting the garage would have a negative impact if we sell the house in the future.

and what is the impact if i don't pay, does it go into foreclosure?

If you crave independence, the culture of big brokerages will reward you.

You can improve you credit utilization ratio by paying down debt or increasing credit limit and you should do both. paying lump sum of debt and applying for a new credit card or increasing your current card limit and getting your credit utilization ratio down below 20% will have a big impact on your credit score.Step 3.The third step is to take advantage of reward credit cards.

Hit it hard these next 10 years as they will be very impactful upon the course of your life.

Go big , make an impact , find a seller, work with the seller if you dont have all the down payment for your lender , go big you need over 7 units to make any real money, anything over 11 you are doing great and to step into something that over 20 units and they aren't duplexes spread across the city with 10 roofs to repair etc makes total sense especially if the location and traffic meet high rentalbilty criteria. mfh is where it's at but like I said to get moving you need over 7. 

I'd like to share a book that has made a big impact on me.

Find resources to bridge the language/cultural barrier.

However, you have a responsibility to find another renter as quickly as possible to reduce the impact on the departing tenant.