Get an ADU by sharing a portion of the future equity. No payments. Easy to qualify. Share a portion the appreciation.
Get a deeper look and compare the top Home Share lenders side-by-side
From the options above, you can select a lender that looks best for you. We've ordered the lenders by best deal at the top. This means that we've calculated the numbers to show the best deals based on your project.
If you have any questions, feel free to use the chat bubble at the bottom right of this page. The quickest way to get started with a lender is by selecting button "Get Free Estimate" on the lender of your choosing.
If you find yourself not getting qualified for a HELOC, whether that's due to your debt-to-income ratio (over 45%) or because the amount of equity you own is not enough, the home equity investment might be a great option for you.
We’ve highlighted some of benefits to using a home equity investment to finance your ADU:
This modern financing option has been used by thousands of homeowners. The reason homeowners are drawn to this loan is because it allows them to tap into their future home value to solve a need for today. ADU renters can get tons of cash flow without any monthly payments.
The way you pay the lender is really by letting your house pay for you. Since your home could appreciate by a large amount, these lenders give you the peace of mind with what they call a "safety cap" for appreciation. Most won't take more than the equavalent of 20% APR per year. This cap helps homeowners compare the option to a traditional APR. Although, there are no monthly payments, you could look at the future share of appreciation and get the equivalent APR per year.
As always, if you need help, feel free to click the chat icon on the bottom right.