I have a Cavalier King Charles, and they are very low energy, loving, lap dogs. I work full time as well (9 hours a day) and he stays at home himself. I got a webcam to watch him at work, and all he does is sleep all day anyways. lol.
We got him when he was 9 weeks old, at the time, Fiance was able to come home during his lunch breaks to take him out, etc. He was really good about holding it, he was potty trained completely by 16 weeks, of course, with accidents here and there until he was a year old.
We used to live him in a kennel of sort, we would put down potty pads in there just in case. He did really well. Eventually when he’s a year old, we trust him to run around the house alone. And he hasn’t had any problems. He holds it until we get home. But when he has diarrhea from an upset stomache (it happens occasionally), he can’t hold it, so he will go downstairs and try to do it no where near furniture… we have all hardwood floors and its easy to clean. I wouldn’t recommend rugs.
We also live in a condo, and have had no problems.
He costed me 1500 dollars in the first year because he was a puppy, and I spent about 500 on vet care alone. The rest was food, toys, treats, bedding, crate, kennel, and all the other essentials plus extras like cute clothes lol.
He’s also a treat snob, he won’t eat cheap milk bones, he only eats those expensive treats like chicken meatball, jerky, etc. I have no idea why. LOL so that makes our bill a little bit higher, and I admit, I spoil him a little too much, haha.
Now, he probably costs around 600 a year, including a yearly vet exam, tests, and heartworm/flea/tick meds which are very important!
He has not had any health issues where I have to take him to the vet more than once a year, but trips to emergency vets can cost a lot of money. I know a lot of ppl have done that.
We live 5 minutes from the dog park, and take him probably everyday after work in the summer, and always on the weekends. We don’t do doggie day care or hire a walker because he’s just not the type to need it. So it really depends on the dog breed you get. High energy ones will always need walks to calm down. But if you have to hire a dog walker, it’s not that much, probably $20 per walk (thats how much they charge here).
sorry for the long post, but let me know if you have any other questions, I’d love to help!