Finance your Modular Home with This Interest-Free Finance Loan

Finance your modular home with interest-free financing

December 6, 2022

Coinvesting helps you free up cash by tapping into your home’s equity. And it’s done without any of the downsides associated with traditional lenders.

Coinvesting, or Home Equity Investing, is a smart financing option for financing your ADU. It allows homeowners to convert future equity into cash now, without any monthly payments or interest charges.

This is a great way to increase your monthly income by adding a rental income ADU, without paying a dime for it.

How it works

Let’s back up for second. How does financing work? What is equity and what is debt?

Equity (investment) and debt (loan financing) are the two financial instruments that power lending. Equity is what you give an investor that gives you money. Equity is like those lenders on the TV show Sharktank. In every episode, the investors (aka Sharks) give entrepreneurs cash to grow their business and in exchange, they get a portion of the company. The investor makes a bet on the future of the company, hoping they will get their money back, plus some.

The same is true with Home Equity Investments. Investors will bet that your property value will go up and they will share the appreciation. Since it is not a loan, there are no payments.

Debt financing, on the other hand, involves borrowing money and paying it back with interest. Interest is how the lender makes money. You have probably heard of a friend paying their mortgage. This is debt financing. The most common form of debt financing is a loan.


  1. No Monthly Payments
  2. Cash without a monthly payment
  3. Pay only when the house sells
  4. Only share in the increased value


Cash out amount: up to $600k
Interest / Fees: None
Loan Type: Equity based (Appreciation)

Best use of Home Equity Investment

  • For rental properties or ADU rentals
  • Short term, use it for 1-2 years while you build equity, and get rental income
  • Then buy out investor and refinance
  • Now that you are past construction, and have an income generating rental, more banks will finance you with great rates

The numbers above are just estimations and not an officially endorsed number. For a more accurate picture, please reach out to us and we'll get you connected to the lender.

To get started on a loan, visit our submission page. Use our Equity Share Calculator to compare the top lenders and get the best deal.

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