Get 0% interest financing for your ADU

New financing option for ADUs allows you to tap into a portion of the future equity and get up to $500k in cash.

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No monthly payments, ever
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Share a portion of appreciation (capped) when you sell or refinance
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Easy to qualify: low credit, low income, no prob
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Get started by entering your information

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This is the total amount of cash you need to finance your ADU.
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"Home Value" is what your home is currently worth. You can check Zillow or Redfin to get an estimate.
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Mortgage remaining is the amount of payment that you still owe on your primary home mortgage
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Appreciation is the of increase in the price of your home. This is measured as a yearly number.
You could qualify up to
$445,000 to build your ADU
Highlights
💰
Rent your ADU, earn $45,000 per year (estimated)
🤝
With a $100,000 cash, share 16% of the future appreciation
🏠
Easy to qualify (no income requirements)
0️⃣
No monthly payments, pay when you sell or refinance
Year
15
Home Price
$1,930,000
60% increase
A graph showing a blue line with an upward projection
Year
15
Appreciation
$930,000
$94,000
/year
Est. total rental income
$330,000
$43,000
/year

Select an option that works for you

Compare the top 5 options

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From $15,000 - $600,000
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Capped APR: 15 - 20%
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Capped at 70% of Home Share
Get Free Estimate
Amount you share
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000. You would own the remaining $980,000 of your home. That is the effective APR of 15%.
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From $30,000 - $500,000
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Capped APR: 18%
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Capped at of Home Share
Get Free Estimate
Amount you share
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000. You would own the remaining $980,000 of your home. That is the effective APR of 15%.
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From $30,000 - $500,000
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Capped APR: 12.99 - 16.99%
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Capped at 80% of Appreciation Share
Get Free Estimate
Amount you share
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000. You would own the remaining $980,000 of your home. That is the effective APR of 15%.
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From $25,000 - $500,000
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Capped APR: 15 - 20%
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Capped at 40% of Appreciation Share
Get Free Estimate
Amount you share
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000. You would own the remaining $980,000 of your home. That is the effective APR of 15%.
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From $30,000 - $500,000
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Capped APR: 15 - 20%
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Capped at 70% of Appreciation Share
Get Free Estimate
Amount you share
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000. You would own the remaining $980,000 of your home. That is the effective APR of 15%.
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Side-by-side comparison

Get a deeper look and compare the top Home Share lenders side-by-side

Max Amount
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This is the total investment .amount (cash you get).
Share Type
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Appreciation Share is the amount of value your house grows after the investment. Home Share is a share in the entire home.
Loan-to-value
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LTV is a ratio of your mortgage (the "L" in LTV) with the appraised value of the property (the "V").
Term
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This is the settlement date, or when you have to buy out the investor.
Risk Adjustment
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Lenders will add this to offset risk. If your home is worth $100k, a 3% risk adjustment would value it as $97k.
Share in ADU
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Some lenders won't share in home improvements, since it increases the home value.
States
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The states that these lenders serve.
30% of home value (capped at $600k)
Home Share
75%
10 years
None
Yes
18
43.75% of home value (capped at $500k)
Home Share
85%
10 years
None
No
15
41% of home value (capped at $500k)
Appreciation Share
85%
30 years
12% - 18%
No
1
22.5% of home value (capped at $500k)
Appreciation Share
80%
30 years
15% to 20%
No
17
17.5% of home value (capped at $500k)
Appreciation Share
75%
30 years
3%
No
29

How to get started

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.

Why Use a Home Equity Investment Instead of a HELOC?

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:

  1. No monthly payments or interest (no debt)
  2. Easy to qualify (no debt-to-income requirements)
  3. Access more equity (up to $600k)
  4. Investment properties owners can optimize cash-flow
  5. You don't need to refi your primary mortgage (keep the low rate of your primary mortgage)

What are the downsides?

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.