I’ve funded hundreds of home loans. I still made some of the classic first-time home buyer mistakes on my own house. I’m telling you that up front because most advice about buying a home comes from people who sound like they’ve never made a mistake. I have. And the mistakes I made are the same…

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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.…

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