Arizona • Colorado • Florida

ADU Financing — Clear Options for AZ, CO & FL

Accessory Dwelling Units (ADUs) can be financed a few different ways — but most homeowners aren’t sure which option actually applies to their situation. We help homeowners in Arizona, Colorado, and Florida get clarity without pressure and without a credit check unless you choose to proceed.

  • Homeowner-friendly guidance
  • Equity & construction scenarios
  • No credit check unless you proceed
  • Clear next steps

Common ADU Financing Paths

Below are common ways ADUs are financed. The right option depends on your current mortgage, available equity, the scope of the build, and property-specific guidelines.

Cash-Out Refinance

Use available equity in the existing home to fund the ADU project.

  • Can be effective when equity and loan terms support it
  • May fund construction, contractor costs, or improvements
  • Not always ideal depending on your current rate/terms

Renovation / Construction Financing

Financing designed around the scope of work and build timeline.

  • May apply depending on property type and project scope
  • Often requires clear documentation and a defined plan
  • Best evaluated case-by-case

HELOC or Home Equity Loan

Popular for ADUs, but terms and qualification vary.

  • Can work well for phased builds or controlled budgets
  • Rates, draw periods, and requirements vary widely
  • Not always the lowest-cost option

Portfolio / Alternative Structures

For unique property configurations or non-standard scenarios.

  • Useful when the ADU plan doesn’t fit standard boxes
  • May apply to unique zoning, income use, or layouts
  • A quick review helps identify the realistic path

Why ADU Financing Is Often Confusing

ADU financing isn’t one-size-fits-all. Eligibility can depend on your current loan structure, available equity, intended use (family vs rental), and state-specific guidelines.

That’s why generic online advice often misses the mark — and why a quick review is usually the fastest way to get clarity.

Get a Free ADU Financing Review

Share a few details about what you’re planning. We’ll outline realistic financing paths and clear next steps for your situation.

I agree to be contacted regarding financing options. No credit check will occur unless I choose to proceed.

Typical response within 1 business day. No obligation.
Financing availability varies by state and property type. We currently operate in Arizona, Colorado, and Florida. No credit check is performed unless you choose to proceed.

Also investing in rentals? See Rental & Investment Financing