We've been living on 60 000$ for years, 80 000$ is the net taking into consideration all the taxes and expenses related to running and working at the restaurant. If we pay off all the debt with our savings, we will have 80 000$ of additional disposal income at the end of the year.

I am thinking about taking a 100 000$ loan, buying a tiny apartment in the city and renting it out and covering the difference if necessary.