Welcome to your new home – and at the same time to your new role as a landlord! This beautiful, detached two-family house, built in 1982, is located in one of the most popular residential areas of Dorsten-Hardt. It perfectly combines owner occupancy and rental: while you live in the spacious ground floor, the separate attic apartment generates stable rental income that can significantly ease your financing.

Highlights at a glance:

• Two separate residential units – live in one and rent out the other

• Rental income helps with financing – comfortable, predictable, and clever

• Leasehold property – a cost-effective alternative to the traditional purchase of land

• Solid construction & condition with only moderate modernization needed

• Sunny garden, large terrace & balcony

• Quiet location in a well-established, family-friendly neighborhood

• Very good energy ratings (energy efficiency class C)

• Modern gas heating system (2014)

Detailed House Layout:

Basement

The basement offers plenty of storage space and practical usage options. It includes a large cellar room, currently used as a party cellar and also ideal as a hobby room. In addition, there is a separate laundry room with connections for a washing machine and dryer, a storage room converted into a toilet, and a boiler room that houses the building’s technical installations.

Ground Floor

The ground floor is characterized by a thoughtful layout. The spacious, light-filled living room is equipped with a fireplace that creates a cozy atmosphere. Directly adjacent is the open-plan dining area. A highlight is that the current gypsum ceiling over the living/dining area can be removed, creating a gallery-like impression right up to the roof. Right next to the dining area is the separate kitchen, and the existing dividing wall between the dining area and the kitchen can be removed without much effort. Two bedrooms provide ample space for a master bedroom and an additional room that can be used as a children’s, guest, or study room. A modern bathroom with a bathtub offers convenience and can be converted into an en-suite bathroom for the master bedroom. The guest WC also includes a shower. From the living room, you can access the sunny terrace, which offers a wonderful view of the garden.

Attic Floor

The attic floor features another separate living unit, perfectly suited as an independent apartment for family members or for rental purposes. Here, you will find a large living room from which you can enjoy a beautiful view of the surroundings. The separate kitchen, together with a cozy dining nook, provides ample space. Only the non-load-bearing wall between the dining area and the kitchen would need to be removed. Two additional bedrooms offer plenty of privacy. This floor is complemented by a large bathroom with both a shower and a bathtub, a guest WC, and a small storage room that provides extra storage space.

Energy Efficiency – Key Information from the Energy Certificate

• Energy certificate type: Consumption certificate

• Primary energy consumption: 101 kWh/(m²·a)

• Final energy consumption: 92 kWh/(m²·a)

• Energy efficiency class: C

• Year of construction: 1983

• Year of the heating system: 2014

• Type of heating: Gas heating

• Greenhouse gas emissions: 22.01 kg CO₂ equivalent/(m²·a)

Financing Example with 20% Equity – Comfortable & Realistic

With a purchase price of €510,000 and an equity contribution of 20% (€102,000), the financing requirement is €408,000.

If you finance this amount with, for example, an interest rate of 3.5% and an amortization rate of 2%, the monthly burden comes to approximately €1,700.

With a realistic cold rent of €800 for the attic apartment, your monthly personal outlay is reduced to only about €900 – for an entire house with a garden in an excellent location!

Additional Advantages: Funding programs can also provide extra help!

NRW.BANK.Home Ownership

• Subsidized loans of up to €100,000 for owner-occupied properties

• Particularly attractive for families with moderate incomes

KfW Program 124 “Home Ownership”

• Subsidized loan of up to €270,000

• Low interest rate, long terms, combinable with personal funds

KfW Program 261 “Climate-Friendly Renovation”

• For modernizations (windows, insulation, heating)

• Repayment grants available

Conclusion: With solid personal funds, predictable rental income, and attractive funding programs, this house is a secure investment in your housing future!