Financing Calculator
Compare ADU financing partners and estimate a monthly payment from published rate ranges.
Optional. Compared with each monthly payment.
Amount financed: $160,000
Purpose-built California ADU financing, with ADU-specific underwriting and terms up to 30 years.
$1,174/mo
APR 6.5–9.5%
Rent minus payment: +$1,326/mo
Typical funding time: 3–4 weeks
See offerBorrow against the home’s after-renovation value, with a one-time close and no separate refinance.
$1,038/mo
APR 5.5–8.0%
Rent minus payment: +$1,462/mo
Typical funding time: 4–6 weeks
See offerA fully online HELOC. Draw funds as the ADU project needs them.
$1,236/mo
APR 6.1–11.0%
Rent minus payment: +$1,264/mo
Typical funding time: 5 days
See offerCash for your ADU without monthly payments. Point invests in home equity and shares in future appreciation.
No monthly payment
No APR — shares in future appreciation
Typical funding time: 2–3 weeks
See offerPayments use the midpoint of each partner’s published APR range on a standard amortization. Home equity investments have no monthly payment. Estimates only — not a loan offer or a commitment to lend. Source: published partner ranges.