Inside The Guide, You'll Discover:

• Part 1: The Pre-Approval Blueprint: Getting Your Project "Loan-Ready": The exact steps to get your financial house in order before you ever talk to a bank. Learn the four pillars of qualification—Credit, DTI, LTV, and Cash Reserves—and how to make your application bulletproof.

• Part 2: The Lender-Backed Toolkit: From Equity to Construction: A deep dive into the 5 primary loan products. We'll give you a clear, unbiased breakdown of HELOCs, Home Equity Loans, Cash-Out Refinancing, Construction Loans, and new "ADU-Specific" loans so you can choose the perfect tool for your project.

• Part 3: The Creative & Alternative Toolkit: What to do when the bank says "no." Learn about powerful strategies like personal loans, builder financing, and "Equity Share Partnerships" that can get your project funded with $0 out of pocket.

• Part 4: Making Your Final Decision & Pitching Your Project: Our "at-a-glance" comparison matrix and scenario guide will cure your analysis paralysis. We'll give you the exact script and a checklist for your "Pitch Package" to confidently present to lenders.

• Conclusion: Your Path Forward: From Funded Plan to Finished Home: A powerful final chapter that reframes your loan as a wealth-creating "investment engine" and prepares you for the next phase of your journey: managing the build itself.

• Appendix: Glossary of Key Terms: Your complete reference tool to translate confusing "banker-speak" into plain English. Master the alphabet soup of finance (DTI, LTV, ARV, HELOC) and speak to lenders with confidence.

Get More Than Just a Book—Get a Complete Success Kit

We want you to succeed. That's why we've packed the guide with these powerful bonus tools:

• ✅ Checklist: The 1-Page ADU Financing Action Plan: A printable checklist to keep you on track from initial idea to a fully-funded project.

• 💰 Tool: The "Back-of-the-Napkin" ROI Calculator: A simple worksheet to calculate your real costs, monthly cash flow, and final Cash-on-Cash Return to prove your project is a smart investment.

• 📚 Glossary: The Complete Guide To ADU Financing Terms: Your "decoder ring" for all the banking jargon, translating terms like "ARV," “HELOC,” and "CLTV" into plain English. Master the alphabet soup of finance and speak to lenders with confidence.

From the Experts at Modern ADU Plans

We don't just design ADUs—we live and breathe them. Our mission is to give homeowners the clear, simple plans they need to unlock their property's full potential. We created this guide to solve the single biggest problem we see every day: financing. We've poured our expertise into this guide to give you the map you need to succeed.