Why not just have larger apartments?

[Jandor]

I like this design, but for an upgraded apartment. The second floor could be a mezzanine floor so no more need to install lofts and float non table top furniture.

Credits to Forums Member: Jandor

<snip>

Could go in paid installments?

Basic apartment: ground floor.
Upgrade one: top floor.
Upgrade two: outside balcony garden area.
Optional upgrade: second floor indoor balcony, i.e. turn the top floor into a mezz floor.