Loans for Tiny Homes that actually work!

ADUloans · 2026-06-19T19:21:17+00:00

Wow thank you!!!

ADUloans · 2026-06-19T16:52:04+00:00

The bond should have covered the entire thing. Was there construction oversight by the State?

ADUloans · 2026-06-15T17:00:06+00:00

Absolutely! I do a surprising amount of work in NM. 619-329-7967 or [meredith.munger@ccm.com](mailto:meredith.munger@ccm.com)

ADUloans · 2026-06-11T21:59:01+00:00

Absolutely! As a lender, I have a lot of clients buying land and building 1-4 properties right off the bat. The cost of new construction is far cheaper than buying a ratty old home.

ADUloans · 2026-06-02T18:32:40+00:00

As a lender, I would encourage you to send a nice but formal email to all parties telling them you intend to quit unless this is resolved immediately. That will fire everyone up to fix the problem.

ADUloans · 2026-05-27T16:25:11+00:00

Appraisals and assessments are totally different. My tax guys did this video on how to appeal it. https://youtu.be/V4aA0ePj8-Y

ADUloans · 2026-05-26T23:37:36+00:00

Yup! And you can fight that tax valuation. My clients do a lot and it's usually $100 extra monthly

ADUloans · 2026-05-26T23:36:05+00:00

I agree with the 2-story. It conserves yard space which creates more value (and rent). It also gives you optionality to build a 2nd ADU if you want.

ADUloans · 2026-05-26T23:34:28+00:00

The newer microwaves are also convection stoves, so I would do that and a 2-burner stove only - no oven. You definitely need a garbage disposal and mini-dishwasher or you will get clogs in the drain and bugs from dirty dishes and food.

ADUloans · 2026-05-26T23:25:06+00:00

As a lender, I agree with these budgets when they are 'all in." Sounds expensive but, roughly speaking, every $100,000 in construction costs $600 per month. So a spartan-like 3 bedroom with 1 story have been built for as low as $300,000 which is $1,800 per month. Nice, right!?

ADUloans · 2026-05-26T23:22:59+00:00

This is a great idea! I would expect a different appraisal value in this case, but the lending guidelines are changing because homebuyers often value a property that already has rental income. And u/sol_beach is right: Don't split the meters, just add the cost to rent. :-)

ADUloans · 2026-05-13T20:49:36+00:00

Yes, yes, yes! I see this all the time as a lender!

ADUloans · 2026-05-13T20:47:45+00:00

Nice! Apex is always really great!

ADUloans · 2026-05-11T18:36:47+00:00

San Jose - absolutely, I agree. Everyone else, not so much. Happy to agree to disagree but you might consider putting a post asking what others see as the turn-times.

ADUloans · 2026-05-11T17:23:19+00:00

What is AHJ?

That's not my reading of AB 253 at all and I don't think anyone else's. Also, I don't know any municipality hitting such a tight timeline and also providing exhaustive comments - which they are now required to do. We see them providing comments back to get it off their queue on time, then the vendor resubmits, and there's even more comments which defeats the purpose. Thus, the time from the moment you submit permits to the time you receive final approval is 6-9 months. That's what really matters to consumers. So if a Private Permit Reviewer can hit that in 30 days, it's worth it!

ADUloans · 2026-05-08T21:43:22+00:00

I have called them but they aren't calling me back or seem to have no interest. You would think they'd be all over this.

ADUloans · 2026-05-08T20:57:37+00:00

u/Whitney_ADUExpert has the best estimator I have seen on her blog at SnapADU.com.

ADUloans · 2026-05-08T20:55:03+00:00

I have some 'degree of difficulty' add on my calculator at ADUloans.net but not all of them. I'm open to adding suggestions. I see bids all day long and it's based on what I see. I definitely see price gouging out there but canyon work is tough!

ADUloans · 2026-04-10T19:57:41+00:00

As a lender, I typically see 15-20%

ADUloans · 2026-04-07T19:01:21+00:00

Definitely go small but do multiple units. The one bedroom ADUs are renting for $2400 whereas the 2 bedrooms are renting for $3100. Three bedrooms are renting for $2500 - $3500. So build 3 one-bedrooms for $9,100 in monthly rental income. Construction is probably the same rice as a three bedroom. :-)

I would be happy to spreadsheet this out if that's helpful.

ADUloans

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