Strategy focus

Investment & ADU financing

Leverage your equity to build wealth — finance an accessory dwelling unit (ADU) or purchase a rental property.

Apply now All refinance options

Generate rental income

California law has made it easier than ever to build an ADU on your property. An ADU can house aging parents, adult children, or a tenant — and in many markets it generates $2,000 or more per month in rent.

We place specialized cash-out refinance and renovation loan products built specifically for this purpose.

Two ways to finance it

construction

Renovation loans

Borrow against the future value of your home once the ADU is built. The appraiser values the property “as completed,” which unlocks more funds than a standard loan allows.

apartment

DSCR loans

For buying new rentals. You qualify on the cash flow of the property itself rather than your personal tax returns — no borrower income verification required.

The ROI of an ADU

Cost to build

Construction loan:$150,000
Rate (approximate):7.50%
New monthly payment:+$1,050/mo

Income potential

Estimated rent:$2,100/mo
Net positive cash flow:+$1,050/mo

Example for illustrative purposes only. Rents, build costs, and permit timelines vary widely by city and by lot. A completed ADU may also increase the property’s appraised value, though the amount is never guaranteed.

Common questions

Can I use future rental income to qualify?
On DSCR and many renovation products, yes — the lender uses projected market rent, supported by an appraiser’s rent schedule, rather than your personal income. On conventional loans the rules are stricter and typically require the unit to be complete and leased.

Is an ADU better than buying a condo?
It depends on your goals. An ADU avoids a second set of closing costs, property taxes, and HOA dues, and it adds value to land you already own. A separate condo diversifies location and can be sold independently. We are happy to walk through both with you.

How long does the process take?
Financing usually closes in 30–45 days. Construction is the longer pole — permitting alone runs several months in many California cities, and build timelines vary by contractor and scope. Start the permit conversation with your city early.

Let us beat your rate

No obligation analysis. No hidden junk fees. If we can’t beat your deal, at least you’ll know you have the best one.

Apply now
call(800) 503-6648 chatText us