You don't need cash to build. The most popular method in 2026 is the HELOC (Home Equity Line of Credit).
Construction Loans
Renovation loans allow you to borrow against the future value of the home. If your home is worth $400k now, but $550k with the ADU, the bank lends on the $550k number.
Ready to start your project?
Check the zoning rules for your specific property address in seconds.
Check My Eligibility