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Ideally I’d have an independent inspector examine the new-build 4-bed serviced apartment before I complete, but access may be limited and my remaining cash has several other jobs. The builder says the municipal checks are sufficient, while I’m worried about issues such as drainage, insulation...

I’m comparing a 45 m² student-housing property with a similarly priced duplex in Warsaw. The student option looks easier to maintain, while the duplex appears to offer more control but greater exposure to irregular costs. My model includes maintenance, insurance, energy use, vacancy and resale...