Financing Options | Financial Strategy

ADU Condos

AB 1033 is being implemented, and that means homeowners can opt to 'condotize' their ADUs and sell. Here's how it works

Pro Tips to Skinny Down your ADU Construction Costs

Need to reduce construction costs when building your ADU? We have some tips from processionals on how to stretch your construction budget.

ADUs cash flow MORE with inflation (even with higher rates)

Yeah interest rates are higher than what we're used to, but rents are even higher. While interest rates may come down more slowly than...

ADU on a Family Property? How to keep ownership fair

Meredith Munger

Jun 13, 20231 min read

ADU on a Family Property? How to keep ownership fair

Building an ADU for a family member get tricky when it comes to who owns what. Siblings can sometimes get jealous and concerned that the...

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Meredith Munger

Jun 13, 20231 min read

How to Build and Finance an ADU

This detailed weekly seminar (and Q&A) goes over every step to build and finance your ADU project. Details include: - Cost to building a...

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BIG PIVOT! Forget ADUs. Think bigger with SB 9 Units

Meredith Munger

Nov 22, 20221 min read

BIG PIVOT! Forget ADUs. Think bigger with SB 9 Units

As CA expands law on housing, we are increasingly pivoting away from ADUs to "SB 9 Units." Even if you are only building one ADU now,...

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ADUs vs. SB-9 Units: Master planning your Property

Meredith Munger

Nov 22, 20221 min read

ADUs vs. SB-9 Units: Master planning your Property

New CA State laws allow you to build up to 4 total units on your single-family zoned property. Here's how that might look and why it's...

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HELOCs now available for homeowners & investors

Meredith Munger

Aug 5, 20221 min read

HELOCs now available for homeowners & investors

And they work with the CalHFA ADU Grant. HELOCs for homeowners: Up to 90% combined loan to value $500,000 maximum Interest-only for 10...

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CalHFA ADU Grant Phase 2 is finally rolling out! How to apply

Meredith Munger

Aug 5, 20222 min read

CalHFA ADU Grant Phase 2 is finally rolling out! How to apply

We are finally rolling out Phase 2 of the CalHFA ADU Grant which provides homeowners with funds to cover the soft costs of ADU...

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Meredith Munger

Jun 21, 20221 min read

First Step to Build an ADU: What's your budget?

There's a reason why ADU pros typically send their client to us first: They need to know what budget they are designing to. That means...

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Loan guidelines vs. permit rules for ADUs

Meredith Munger

Jun 21, 20221 min read

Loan guidelines vs. permit rules for ADUs

Most people know the permit rules for ADUs, but did you know that the loan guidelines sometimes clash? That's why it's important to get...

217 views0 comments

Meredith Munger

Jun 21, 20221 min read

Build an ADU on your Parents' Property

It's hard for young people to buy a home, much less for a family. Adding an ADU onto your family property - or creating a family compound...

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ADUs: Costs, rents and how to finance (especially during inflation)

Meredith Munger

Jun 21, 20221 min read

ADUs: Costs, rents and how to finance (especially during inflation)

Meredith goes in-depth on how to estimate the rental income from an ADU, loan options and monthly payments, the CalHFA ADU grant, the...

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New Loans for Professional Investors - newbies welcome!

Meredith Munger

Jun 21, 20221 min read

New Loans for Professional Investors - newbies welcome!

Interested in investing in real estate, fix & flips or adding multiple ADUs to a property? We have fantastic new loan options for...

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New Interest-Only HELOC up to 97.5% LTV!

Meredith Munger

May 18, 20221 min read

New Interest-Only HELOC up to 97.5% LTV!

We're excited to announce a new option for financing ADUs, remodels and even debt reduction! If you have a great rate on your existing...

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Hacks for Fixing Ups Houses & ADUs for Less

Meredith Munger

May 18, 20221 min read

Hacks for Fixing Ups Houses & ADUs for Less

Our tour of the hardware store can help you visualize what you CAN do by yourself - and the remodeling you should leave to the pros. It's...

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Meredith Munger

May 18, 20220 min read

Timeline & Steps to Build Your ADU

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Interest rates went up! Is my ADU Project doomed?

Meredith Munger

May 18, 20221 min read

Interest rates went up! Is my ADU Project doomed?

Nope! Just do the math. :-)

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How to Find & Buy ADU-Friendly Properties and Still have Money to Build the ADU

Meredith Munger

May 18, 20221 min read

How to Find & Buy ADU-Friendly Properties and Still have Money to Build the ADU

Some types of properties are better suited for people who want to build ADUs and maximize their rental income. We'll review the financing...

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Meredith Munger

May 18, 20221 min read

House Hacking: Team Up to Buy a Home

No matter how young and broke you think you are, you CAN buy a home by teaming up! Add a $10,000 down payment grant and a little savings,...

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Meredith Munger

May 18, 20221 min read

Ways to Save Money Building Your ADU

We see ADU construction bids every day, and over time we've seen key approaches that can save you money on the cost of construction. Take...

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Used Cash or HELOC to Build your ADU? Get your Cash Back with a 95% LTV Cash Out Refinance

Meredith Munger

May 18, 20221 min read

Used Cash or HELOC to Build your ADU? Get your Cash Back with a 95% LTV Cash Out Refinance

Most cash-out refinances only go to 80% loan-t0-value, and typical appraisers do not give enough value for ADUs to get your invested cash...

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ADU Investing: Buy a multi-unit property or single family home?

Meredith Munger

Jan 2, 20221 min read

ADU Investing: Buy a multi-unit property or single family home?

Many investors ask if it's better to buy a duplex or triplex and add an ADU, or buy a singe family home. The answer actually depends on...

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Green octopus, LLC

Meredith Munger
Loan Officer

NMLS 2126086

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