Urban LitRPG System-Chapter 76: Finalizing What to buy.

" I will have over five million within a week, so I’ll allocate that as equity. "

Max replied without hesitation, stating it like a confirmed figure rather than a guess, Emma nodded slowly, mentally recalculating structures in her head, with five million in liquid capital she could indeed structure serious financing, the leverage options widening significantly.

Max watched as Emma returned to her desk and began working on her computer for several minutes straight, her fingers moving quickly across the keyboard, pulling internal listings and running preliminary scenarios.

Max didn’t rush her, he remained standing near the window for a moment before calmly taking a seat again, waiting without impatience, observing how focused she looked while navigating confidential data, she didn’t look like someone who acted randomly or emotionally, every click seemed deliberate.

" Alright, I’ve identified several high-value properties that match your criteria. For reference, here’s an eighteen million euro building, currently vacant, which gives you full flexibility. The upper floor can be remodeled into a private penthouse without major structural changes, as the building is newly constructed. "

Emma’s voice carried across the office, she was technically just explaining numbers and structure, but the way she slightly angled her monitor and paused suggested she expected him to step closer and review the projections beside her.

Max walked over and looked at the screen closely, the building shown in a clear front-facing image, clean white exterior with modern lines, not very tall but wide and solid, the location marked near the gym he trains at.

Which meant it was on the better side of Schwabing, a quieter and more premium residential side with good tenants and steady demand.

This building looks nice and wide enough for many rooms.

" The property offers approximately 1,800 square meters of total living space, structured into ten large residential units, along with twenty dedicated parking spaces. If we reserve the entire top floor for your personal residence.

The remaining nine units can generate stable rental income. The building is newly constructed and fully vacant, which allows immediate restructuring without tenant complications. It’s a very balanced asset for both lifestyle and investment. "

Emma smiled with visible confidence while explaining, clearly pleased with her selection, she had located this property quickly because it had been developed by her father’s construction company.

Which gave her inside knowledge about its construction quality and cost base, and if Max proceeded, she would be able to structure the financing smoothly and efficiently.

" This one looks nice, can you give me thirteen million in loan though? "

Max replied simply, without dressing it up, he had already decided he liked the building, keeping the entire top floor for himself was certain, but if he needed additional private space later, he was considering reserving one more apartment for his own use, the rest would handle the repayment on their own.

" Yes, for that I would like you to consider me as your private banker, I will then use my Vice President level loan clearance for you, whiskey? "

Emma stood up from her chair and walked to the bar again, this time without hesitation, her movements slower and more confident, she poured two small glasses of whiskey with steady hands, clearly certain in her offer, and placed one in front of Max, who had declined her only a few minutes earlier.

Max saw the confident look on her face, the kind that expected agreement rather than rejection, so he took the glass this time and took a small sip, it felt bitter but smooth and cold going down, the warmth spreading slowly in his chest, it felt less like alcohol and more like winning.

" I would like you to be my personal banker. "

" Wise choice. With my clearance level, structuring thirteen million will not be an issue. We can optimize the terms, and when you renovate the top floor, I can connect you to preferred contractors for favorable pricing. "

" Vacant! "

" What? "

" You used this word twice, why? "

" Oh. In German real estate, a vacant property holds premium value. Tenant protection laws are significantly stronger than landlord rights here. Removing tenants can take years. A fully vacant building gives you immediate control, no legal delays, no litigation risk. That’s why it matters. "

Max sat on the couch again, this time more relaxed, leaning back slightly as the tension shifted from negotiation to understanding, she felt less like a corporate gatekeeper and more like someone who genuinely knew her field, while Emma also seemed less calculated now, her tone softer and more conversational, the sharp edges of strategy easing into mutual respect.

Max stood up after finishing the entire glass in one smooth motion, placing it back on the table without hesitation, the alcohol had no real effect on his modified body, so he wasn’t concerned about riding his bike afterward.

" Alright, I will leave for now and try to manage as much liquid as possible, If I repay the debt early... "

" Less interest and more freedom. "

As he walked toward the glass door of the office, he paused for a brief second, half turning back as if to complete his sentence, but Emma replied before he could even finish, not even turning her head, her tone confident and certain, like she had already anticipated the rest of his thought.

Max smiled lightly and walked back toward the lobby he had come from, the executive floor quiet again as if nothing had happened, his helmet still resting on the couch where he had left it, he picked it up in one smooth motion and turned toward the elevator, just as the doors were about to close he saw the help desk lady rushing toward him with quick steps.

" Sir, Sir, this is the card VP Emma has given you, so that you can directly come to her if needed. "

She handed Max the card carefully with both hands, it was not an ordinary visiting card, it felt heavier and thicker, mostly a reinforced plastic access card with a small embedded chip near the corner.

Max took the card and examined it briefly, and because of his God Tier Locksmith skill, he instantly understood what it was, not just identification, but an access key, something that could unlock restricted areas.

" This is... let me show you. "

Max looked at the lady with a questioning gaze, holding the card between his fingers, she nodded quickly and stepped into the elevator with him, pressing the basement button instead of the lobby, when the doors opened, Max saw the secured underground parking level of the bank, rows of private vehicles parked neatly.

As they stepped out, she walked toward a restricted glass gate and tapped the card against the reader, the system beeped softly and the barrier unlocked, showing him how he could access the bank privately from the basement entrance without going through the public lobby.

" Well, this is nice, thank you, Freida? "

" Yes, Freida Garch, It’s a pleasure. "

She nodded her head enthusiastically when Max remembered her name after hearing it only once, clearly surprised that he paid attention, her smile widening for a second before she stepped back professionally, Max smiled faintly in return and took his leave without stretching the moment.

He rode his bike up from the secured basement to the ground level parking area, the ramp curving upward as daylight returned into view, then slowly guided the bike toward the ATM booth positioned near the side entrance of the branch, parking neatly in a marked space.

He was planning to withdraw cash from here first and then visit a few more branches around the city, he still had about one and a half hours left before closing time, and he intended to use every minute efficiently.