Affordable ADU Financing

Partner with us and leverage our network of 3rd-party lenders to bring your ADU vision to life.

ADU loans for all types of projects

We partner with lenders to provide 100% financing options for qualified households, helping you secure the best terms for your ADU project.

Additional living

A private space for friends and family to stay.

A private space for friends and family to stay.

Functional space

The perfect spot to enjoy your hobbies or creative endeavors.

Unlock the full potential of your property with an ADU rental unit.

Generate income

Unlock the full potential of your property with an ADU rental unit.

The perfect spot to enjoy your hobbies or creative endeavors.

Secure your ADU financing today with low monthly payments options

Our all-inclusive services streamline the stages of your ADU project, ensuring a stress-free journey while saving you time and money.

All-in project financing

We help you find financing options that fit your budget and goals, ensuring a smooth journey from start to finish.

All-in project financing
Build now, pay later - financing

Build now, pay later

Start your project without any upfront costs. Learn how our financing partners offer deferred payment options.

Rental analysis

Get an estimate of how much rent you could earn from your ADU with our data-driven analysis.

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Price-lock guarantee - financing

Price-lock guarantee

Lock in a stress-free budget and guaranteed timeline for your ADU project.

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Book a Free Consultation!


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Our Projects

Explore our clients' success stories and learn how we helped bring their vision to life.

Securing Financing For A Double Unit Rental

San Diego, CA

Mr. Lee was looking for opportunities to generate additional passive income to support his property’s mortgage, taxes, insurance, and utility bills.

“In my experience working with Multitaskr, I felt I could trust them and that they were being open and honest with me. This is essential for a successful client-contractor relationship.”

-Mr. Lee

Find the right loan for you

At Multitaskr, we simplify the financing process for your ADU project by connecting you with our network of third-party lenders who offer competitive interest rates on secured and unsecured loans. We make qualifying for a loan easy by seamlessly integrating it into our full-service ADU experience.


Learn more about our lenders' loan options, and explore other popular financing choices that could help bring your vision to life.

Unsecured Loans

Unlike traditional loans for homes or cars, unsecured loans don't require you to put down any collateral as security for the loan. Instead, approval of unsecured loans is based on your creditworthiness, which includes factors like your credit history, income, and debt-to-income ratio.


So, how can unsecured loans benefit your ADU project?

Here are some key advantages:

  • No risk to your home
  • Faster approval process
  • Flexibility for smaller projects
Secured Loans

A secured loan uses your existing property, typically your primary residence, as collateral. This means the loan is backed by the value of your home. An ADU can potentially help you leverage a higher loan amount for a secured loan.


So, how can secured loans benefit your ADU project? Here are some key advantages:

  • Lower interest rates
  • Higher borrowing power
  • Predictable payments
Cash-out refinance

A loan option for homeowners looking to tap into their home equity to fund an ADU project. Your existing mortgage is replaced with a new, larger one, providing you with a lump sum of cash upfront.

Cash savings and retirement accounts

Cash savings can be directly used for construction costs, while retirement accounts like IRAs or 401(k)s might offer loan options, but be aware of early withdrawal penalties and tax implications.

HEL and HELOC

A Home Equity Loan (HEL) provides a lump sum upfront at a fixed interest rate, suitable for financing the entire ADU construction. If you prefer more flexibility, a Home Equity Line of Credit (HELOC) offers a revolving credit line with a variable rate, allowing you to access funds as needed throughout the project.

Renovation loan or construction loan

Renovation loans are ideal if you're converting existing space in your property, like a garage, into an ADU. It works like a traditional home improvement loan with a fixed repayment term. On the other hand, if you're building a brand new ADU from scratch, a construction loan is the way to go. This short-term loan disburses funds in stages as construction progresses, and then converts to a permanent mortgage upon completion.

Government assistance

In California many government programs exist to help homeowners build an ADU. These programs can offer grants, forgivable loans, or even construction financing with flexible terms, especially if you agree to rent your ADU at an affordable rate. Initiatives like the CalHFA ADU Grant Program offer up to $40,000 to offset pre-construction costs like permits, architectural designs, and site prep. Learn more about this program at adugrantprogram.com.

ADU Equity Share

In this alternative model, financial institutions invest capital upfront in exchange for a small share of the future appreciation of your property generated by your ADU. This reduces your upfront costs and simplifies the loan process, while allowing you to benefit from potential appreciation in your property value.

ADU Floor Plan Catalog

Maximize your investment with our pre-designed and fully customizable models, whether you're building for your family, rental income, or just additional space.

Talk to an ADU Expert

Book a Free Consultation!


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FAQs

Have questions? Here are a series of frequently asked questions to clarify the financing process.

How Much Does It Cost to Build an ADU in California?

Building an ADU in California may range from $120,000 to $350,000+ on average.


The cost of constructing your ADU can fluctuate based on several factors, such as:


• Unit size: The unit sizes can range from 250 sq ft to 1,200+ sq ft spread over two levels.

• Location: Location significantly impacts ADU construction costs, encompassing regulations, land characteristics, permit fees, labor/material expenses, and utilities.

• Type: The different ADU types are detached, attached, JADU, garage conversion, over-the-garage conversion, and basement conversion.

What are my loan options for building an ADU?

At Multitaskr, we simplify the financing process for your ADU project by connecting you with our network of third-party lenders who offer competitive interest rates on secured and unsecured loans. We make qualifying for a loan easy by seamlessly integrating it into our full-service ADU experience.

What are ADU Assistance Programs?

These are government or non-profit programs that offer financial aid, incentives, or guidance for building ADUs. Examples include California's ADU Grant Program or SDHC’s ADU Finance Program.

How can Multitaskr help me finance my ADU project?

  • All-in Project Financing: We take the guesswork out of financing by helping you secure loans that cover the entire project, from start to finish.
  • Build Now, Pay Later: Enjoy the benefit of starting your ADU project without any upfront costs. You won't have to make loan payments for the first 12 months.
  • Rent Potential Analysis: Wondering how much income your ADU could generate? Multitaskr leverages data-driven tools to provide an estimate of your potential rental income, helping you make informed financial decisions.
  • Price-Lock Guarantee: Peace of mind is priceless! Our price-lock guarantee ensures you have a clear budget and timeline for your ADU project. You'll receive a guaranteed price with defined milestones, eliminating surprises and keeping your project on track.
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