ADU laws have changed dramatically across the country — especially in California. Whether you want to build, buy with an ADU, or add one to your existing property, we'll connect you with the right financing and the right local partners wherever you are.
California led the charge — then other states followed. If you own property and have equity, an ADU may be the highest-return move available to you right now. We finance them and connect you to vetted ADU builders in your market.
A studio or 1-bed ADU in North OC can generate $1,800–$2,800/month in rental income — often enough to cover your entire mortgage payment.
ADUs consistently add 20–30% to property values in OC markets. You build equity while generating income — a compounding win.
California's SB 9 opened the floodgates. States like Texas, Florida, and Arizona are following. If you're not sure what's allowed in your area, we'll find out for you.
Keep family close while maintaining privacy. Parents, adult children, or in-laws — an ADU creates space without giving up your home.
California eliminated the owner-occupancy requirement for ADUs through 2025. Investors and second-home owners can build freely.
Most OC homeowners have substantial equity available. With the right financing, you can build an ADU with little to no out-of-pocket cash.
Enter your home's value, current mortgage balance, and estimated ADU cost. We'll show you how much equity you have available and what your options look like.
Estimates based on typical OC market conditions. Actual rates and terms vary by lender and qualification.
Every situation is different. We'll review your equity, credit, and goals — then match you to the approach that costs the least and delivers the most.
A Home Equity Line of Credit lets you draw against your equity as construction progresses — you only pay interest on what you've used.
Refinance your entire mortgage and pull equity out in cash. Best when today's rate is close to your current rate or your current rate is high.
Buying a home with ADU potential? We can structure a combined purchase-and-construction loan that finances both the home and the ADU build at once.
We pull your current equity position, review your existing mortgage, and map out what's available for your ADU.
HELOC, cash-out refi, or purchase loan — we present the option that makes the most financial sense for your situation.
We move fast. Pre-approval, processing, and closing handled with precision — so you can start building without delays.
Your ADU goes up. Tenants move in. The rent hits your account. You've turned your property into a real income asset.
A 15-minute call is all it takes. We'll look at your equity, walk through your financing options, and connect you with a trusted ADU partner in your area — no obligation, no pressure.
Brian Poetschlag · (714) 713-3133 · brian@yorbahomeloans.com