# Buy second apartment / studio room / investing

**URL:** <https://forum.mustachianpost.com/t/buy-second-apartment-studio-room-investing/18095>\
**Category:** Real Estate\
**Created:** [January 26, 2026, 3:41pm UTC](https://forum.mustachianpost.com/t/buy-second-apartment-studio-room-investing/18095 "2026-01-26T15:41:11Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![Mandrake](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mandrake/32/20892_2.png) [@Mandrake](https://forum.mustachianpost.com/u/Mandrake)\
**Post date:** [January 26, 2026, 3:41pm UTC](https://forum.mustachianpost.com/t/buy-second-apartment-studio-room-investing/18095/1 "2026-01-26T15:41:12Z")

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Hello!  
My first post in the Forum 🙂 Great Community, tons of useful advices. I need one now 🙂

250K available at the moment, parked into an account with no interest. 4 options.

1. Ask the bank to finance second apartment: 700K, downpayment 250K. Renting ±30K. Return: **± 17K/year**
2. Buy (cash) Atelier/Studio (±240+45 garage). Renting ±13K. **Return ± 9K**
3. Nr 2, but with hypo (e.g. 50 downpayment and 200 mortgage). Renting ±13K (2.5K mortgage) **Return ± 7.5K** + 200K investing.
4. Invest 250K.

In terms of renting the aparment has more likelihood to find a tenant: I can’t say for the Atelier (Studio Room). There is an idea to use it for a possible future business (Gallerie). In this case, the 9K will be gone, but (maybe) compensated.

Investing, might have same performance (in 8-10y) if not even higher. The only PROS for the real estate is an increase of the value - which is not always given - and for the Atelier, a possible investment for my wife future business.

My wife is more in favour for the real estate. Myself for the investment.

Any thoughts?

Thank you!

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**Author:** ![gaijin](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gaijin/32/13983_2.png) [@gaijin](https://forum.mustachianpost.com/u/gaijin)\
**Post date:** [January 26, 2026, 4:10pm UTC](https://forum.mustachianpost.com/t/buy-second-apartment-studio-room-investing/18095/2 "2026-01-26T16:10:10Z")

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> [@Mandrake](#):
>
> for the Atelier, a possible investment for my wife future business.

If this is an investment that you will need to do anyway, I would do it now. How would you do the investment later if you have already spent/invested the 250k otherwise?  
Personally, I would only do real estate for profit if you are planning on using it yourself later on, or if you treat it as a real side husstle and are willing to invest the time.

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**Author:** ![Mandrake](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mandrake/32/20892_2.png) [@Mandrake](https://forum.mustachianpost.com/u/Mandrake)\
**Post date:** [January 26, 2026, 4:27pm UTC](https://forum.mustachianpost.com/t/buy-second-apartment-studio-room-investing/18095/3 "2026-01-26T16:27:10Z")

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There are no concrete plans, for that business - as my wife has already a full time job, looking after our 2 kids. The idea, medium term (let’s say, 3-4 years once both kids are in KiGa), is for a part-time job for her. As she sacrified her profession to grow up our kids, I am willing to consider this investment for her.

The option for the Atelier is coming up just because it is relatevely close to our place (5 min walk). I could even use it as an office when I do remote work, or even as an (expensive) hobby raum. Same for the parking: altought we already have 2 spots on hour building, this one - as very close - could be rented. There are 10 apartmetns, 4 atelier and 23-parkplatze (one only spot for besucher): on average, each apartment takes 2, but having just one spot for the guests, the 23 spot in the tiefgarage could be likely rented or in the future, even sold.