
Discover essential steps to building an ADU, with expert guidance from California's largest ADU lender, including tips, tricks, and a practical checklist.
Get pre-approved to know your budget and payments, then design to that amount with 100% financing, plan property, and navigate permit regulations and optimize 2-3 bedrooms or three 1-bedroom units.
Explore how adu and sb9 units differ under California rules, learn to check city and state zoning codes, and understand utilities and permits for building on your property.
Navigate mortgage guidelines for ADU construction, guided by Fannie Mae rules and appraiser practices; learn how loan types, detached vs attached ADUs, and pre-approval affect value and cash flow.
Explore the adu cost landscape, from about $100,000 for attached garage conversions to $250,000 baseline. Note that detached units start around $175,000.
Learn how detached garages differ from primary homes in ADU projects, including slab foundations, rebar, and code considerations, and how setbacks and grandfathered spaces affect demolition and relocation in California.
Assess ADU costs per square foot, estimate monthly payments, and project rental income by unit type to determine ROI and selling or condoizing options.
Explore construction and stabilization loan options for an adu, including 100% construction funding, 30-year fixed mortgages, HELOCs, and FHA reverse mortgages to optimize cash flow and future value.
Map your adu timeline from design to construction, with design around 3 months, permits 6 months, construction 3–8 months, and financing tips like upfront pre-approval or a HELOC.
Know your numbers for an adu project by modeling mortgage, heloc, and refinance options to compare monthly payments and cash flow across design, build, and post-construction phases.
Master plan your property to fit an adu now and over five, ten, or twenty years, leaving room for future construction, deferred maintenance, and aging-in-place upgrades.
Whether you're just getting started or stuck mid-process, California's top ADU lender will teach you how to build your Accessory Dwelling Unit (ADU), optimize return on investment, and create multi-generational wealth while avoiding the mistakes, pitfalls and bad contractors that can cost you the biggest investment of your life: your home. You will learn:
What you CAN build on your property according to state laws, local permit rules, and Federal Mortgage guidelines
How to estimate construction costs
Construction loan options and strategies to avoid being crushed by a loan
Monthly payments vs rental income, including spreadsheets that do the calculations for you
Different loan strategies to achieve your goals
How to vet contractors and their bids, including sample contractors, lingo, etc. Includes sample bids we like and example of contract language to avoid.
Stick-build vs factory-built options
Extra monthly costs
Rent vs sell your ADU
Timelines and step-by-step instructions including forms
Government incentives (free money) to encourage you to build housing
Why ADUs now and how governments plan to get out of this housing crisis
This course is not long, but it will provide the information and confidence to get started on building multigenerational wealth and a legacy for your family. Best of all, instead of working for your house, now your house is working for you!