Also having 70% on finance could well give an uncomfortable feeling if Turkey has a bad year with low rental take up, which can (and does) happen with earthquakes, wars in adjacent countries, occasional bombs and several other factors that should have no effect on sleepy little Fethiye but I assure you they do in terms of bookings.
If you can afford whatever 100k costs to borrow per year even if you got zero bookings at all then no problem.
As for Hisaronu, they are indeed saying that to sell you a dream home up a hill with no beach. I lived in 2 houses in Calis over 5 years and never once had a flood or feared one might happen. We do get a problem from Hisaronu, every time it rains up there all their tarmac seems to end up down our way
Welcome to the forum by the way.