How to Pay for an ADU Without Cash

Almost every family I talk to about an ADU stops at the same place. Not zoning. Not permits. The money. They’ve looked it up. They’ve seen the estimates. And the assumption underneath every one of those conversations is that you save for years, pull from retirement, or borrow against the house you already own.…

Would you believe someone just bought a million-dollar home with about thirty thousand dollars down? Most people wouldn’t. Because most people are still doing the math on a number they picked up somewhere along the way and never questioned. If you think you need 20% down to buy a home in California, that belief…