Why ADUs Break Traditional Residential Lending Models

ADUs frequently defy standard asset classification. In New England's established housing markets, they occupy a grey area between single-family residential and multi-family housing.

Common ADU Financing Paths

Financing for ADUs in New England typically follows one of several high-level paths, each with specific institutional tendencies.

Valuation & Appraisal Reality

Appraisal is the "choke point" of ADU capital. In New England, comps are notoriously difficult to find.

How Would You Like to Finance Your ADU?

Navigate the ambiguous world of ADUs in New England's housing markets. These versatile properties blur the lines between single-family homes and multi-family residences, posing a challenge to lenders' traditional categorization methods.

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