Remember to calculate your holding cost for taxes, insurance and cost of money.   

It seems to me that in Germany, being wealthy is a disgrace (seeing that from a tax and legal perspective).Now I don‘t want to post here about how „difficult“ it is living in Germany, but instead I am looking for people that think the same way. 

Most of the time, a DSCR loan won't show on your credit, but it will certainly show up on your tax returns. 

Lots of realtors on here BS your returns but thats the truth your not going to make money buying using a manager at 25 down in 2024, its just not happening unless you pay cash. 

The key is to make the property cute, but you don't need to invest a ton of money into it.

If you sell now you won't be paying tax on that profit!

Tax benefits + getting a 30 year fixed rate and letting the amortization schedule do its thing in years 20-30.Buy in an area that you would live in with your kids and hold for a long time.

I am currently a 21 year old college student looking to house hack in order to save money on living expenses.

You need to look at the expenses (mortgage, insurance, property taxes, etc) and income. 

Essentially, the cap rate is the proportion of Net Operating Income (NOI) to the property's value or selling price:Cap Rate = Net Operating Income (NOI)/Property ValueThis ratio offers a direct method to evaluate the yield a property generates in relation to its cost.For advanced real estate investors, integrating additional factors might prove beneficial:Vacancy rate: The duration the property remains vacant.Operating expenses percentage: Includes insurance, utilities, and maintenance costs (excludes mortgage payments, depreciation, or income taxes).The adjusted formula for net income, incorporating these considerations, is:Net Income=(100 − Operating Expenses %) ×(100 − Vacancy Rate %) × Gross Income