Let's find your
financing fit.

ADUs are an investment, and the right loan can make the math actually work. Tell us a little about your project and we'll match you with vetted ADU-aware lenders. No fee from us, no cold-calling, no pressure.

Start the form ↓

Four Common Paths

The financing options.

Most ADU borrowers land on one of these four. Each fits a different combo of equity, timeline, and risk tolerance.

HELOC

Home Equity Line of Credit. Fastest if you have built-up equity. Variable rate, draw as you need, pay interest on what you use.

Best ForEquity-rich owners
Speed2,4 weeks
Rate TypeVariable

Construction-to-Perm

Short-term construction loan that auto-converts to a 30-year mortgage at completion. One closing, predictable payments.

Best ForNew builds
Speed4,8 weeks
Rate TypeFixed (post-build)

Renovation Refi

FHA 203(k) or Fannie Mae HomeStyle. Rolls construction cost into a new mortgage on the whole property. Long-term low rate.

Best ForLow rate seekers
Speed6,10 weeks
Rate TypeFixed 30-yr

ADU-Specific Lenders

Niche lenders who underwrite based on projected ADU rental income. Useful when traditional DTI math doesn't quite work.

Best ForInvestor mindset
Speed3,5 weeks
Rate TypeVaries

Your Loan Profile

Tell us about your financing needs.

Fill in what you know. We use this to vet which lender(s) will actually fit your situation, then make warm intros. Nothing here is shared without your say-so.

01 About you

First Name * Last Name *

Email * Phone Best Way to Reach

02 Loan basics

Loan Amount Needed Loan Type Preferred When Do You Need Funds?

03 Your financial picture

Credit Score Range Annual Household Income Estimated Home Equity

Existing Mortgage? Employment Status

04 Your ADU project

Project Stage Estimated Project Cost Primary Goal

05 Anything else? Tell us anything else relevant, debts, prior denials, special circumstances

* Required fields

We use this only to match you with vetted lenders. Your details stay between you and DWELLTRY until you tell us who to share them with. Never sold, never resold.

For The Other Side Of The Table

Are you a lender who wants to
partner with us?

We're building a small, curated bench of ADU-aware lenders, ones our clients can trust. If you fund ADU projects in San Diego County and want to be in the rotation, we'd love to hear from you.

Apply To Become A Partner ↗ Or just email us /