Building your ADU should not be limited by upfront costs. We work with trusted lending partners to help you find the best financing option for your project and budget.
Every Peninsula Construction estimate includes a financing pre-qualification review. We partner with leading lenders so you can understand your full financing options before you commit to anything. No obligation, no pressure.
ADUs are a significant investment. We offer multiple financing pathways to make your project possible.
We handle the heavy lifting so you can focus on your project.
We visit your property, discuss your goals, and provide a detailed project estimate at no cost to you.
We connect you with our lending partners who present your best financing options based on your situation - no obligation.
Once financing is in place we handle permits, design, and construction. You sit back while we build your investment.
Peninsula Construction ADUs range from $135,000 to $300,000 all-in depending on size, type, and finishes. That includes permits, design, and full construction - no hidden fees.
Not necessarily. While HELOCs require home equity, personal construction loans and other financing options are available without equity. Our lending partners will find the best fit for your situation.
Pre-qualification can happen within 24-48 hours. Full approval timelines vary by lender and loan type, but we factor financing timelines into your project schedule from day one.
Yes. ADUs typically add $150,000-$300,000 in property value in Santa Cruz County while generating $2,000-$3,500/month in rental income. Most ADUs pay for themselves within 6-10 years.
Many lenders allow projected ADU rental income to be factored into your qualification. This can significantly improve your borrowing power. Our lending partners specialize in this.
Get a free estimate and financing review. No obligation, no pressure - just a clear picture of what is possible for your property.
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