Building a tiny home or Accessory Dwelling Unit (ADU) is more achievable than ever — and the right financing can make the process smooth from start to finish. Whether you’re adding rental income, creating a guest suite, or downsizing, lenders look for a few key items before approving a loan.

• 620 or better credit score
• 2 years proof of income
• 2 months bank Statement
• Down Payment, Min 3.5%

Property Details

Lenders often require plans, permits, and cost estimates for the tiny home or ADU, especially if it’s being built on your property.

Appraisal & Value Assessment

The bank may evaluate how the ADU or tiny home impacts your property value to determine loan amount and risk.