Finance Your ADU with Precision
We align specialized construction-to-permanent financing with your long-term equity goals, leveraging projected rental income to maximize your borrowing power.
Structured Loan Programs
Equity-Based Solutions
Construction-to-Permanent
Leverage your primary residence's built-in equity via structured HELOCs or cash-out refinancing to fund construction without liquidating reserves.
Our premier single-close loan covers 100% of design and construction costs, automatically converting to a traditional long-term mortgage upon final walkthrough.
FHA Renovation & Portfolio Loans
Access government-backed renovation capital and flexible portfolio loans designed specifically for high-end accessory dwelling additions across Southern California.
Qualify with Projected Rent
California regulations allow lenders to consider up to 75% of your ADU's projected rental yield to offset debt-to-income ratios during underwriting.
Underwriting with Projected Yields
Our in-house financial analysts prepare certified rental market assessments. By presenting documented local lease comps directly to our partner lenders, we frequently unlock higher loan values for our clients.
75%
Projected rental income allowed for loan qualification
Ready to Structure Your ADU Capital?
Schedule a free financial feasibility study. We will analyze your property equity, review local rental rates, and outline your optimal funding path.