Checkpoint 2 · Plan It

Does this ADU pay for itself?

Adjust the sliders to match your situation. Everything updates live — and we show the honest tradeoffs, not just the number that looks best.

The size and quality drive the cost range.

Size650 sq ft

3001200

Type of build

Finish level

We use bands, not exact figures — your privacy matters.

Home equity available$150,000

$0$500k+

Cash available$40,000

$0$300k+

You could put roughly $160,000 toward a build — your cash plus about 80% of your equity (a typical borrowing limit).

Loan type

Loan term

Interest rate (estimate)7.25%

4%12%

Cash you'll invest up front$60,000

0164000

Loan amount$130,000

0164000

Expected monthly rent$2,200/mo

8006000

Operating costs (tax, insurance, upkeep)28% of rent

1545

Property management10% of rent

Self-managed12%

Estimated all-in cost

$109,000 – $164,000

Around $136,500 · $210/sq ft · ±20%

Your monthly picture

+$477/mo

After the mortgage and costs, this ADU would put money in your pocket each month.

Monthly payment$887

Payback period10.5 yrs

We can connect you with a mortgage broker who works with homeowners tapping equity for an ADU. No obligation.

Rates and terms are estimates, not offers. A broker confirms your actual numbers.

All figures are simplified estimates for planning only — not financial advice, an appraisal, or a loan offer.