Even if it was all above the table with your SO, you would want to consider your 121 exclusion - that could be worth MUCH more than the minimal losses it may create.

That would take a lot of risk off the table.

I use Trafficmaster LVP in French Oak throughout all rooms.

I know I would be getting the years of knowledge and mostly the pitfalls this guy has endured will be brought to the table as well.

Other nightstands can be an old style television or a wooden chair from a dining table. 

You can read more about this market here: 5 reasons to consider investing in the French real estate market in 2020Anyway, I wish you good luck with your investments!

It is very hard to find them right now as you probably know and it could become tempting to overpay or be out-maneuvered at the negotiating table. 

We know that these are the potential solutions: 1. sealed wall with waterproofing materials 2. grading 3. french drain. 

Which tells me I left money on the table this year.

I have enough for 20% down and could go conventional with this property, Taxes/Insurance/Mortgage would be right around 1200$ per month (I have taxes/insurance at 0 in the table below, its built into the 1200 under "mortgage").