ADU Project Calculator
Current Home Equity
· 60.0% LTV$300,000
Total Project Cost
$209,000
Gross Monthly Rent
$1,800
Paying full project cost in cash. To model financing, select the Refinance or Purch. / Const. tabs.
Cash Needed at Closing
$209,000
Project Summary
Total Cost
$209,000
Cash Invested
$209,000
Added Payment
$0
ADU Rent (eff.)
+$1,800
New Total Monthly Payment
$3,500/mo
Before ADU
$3,500/mo
Project Profitability Analysis
Cash-on-Cash
10.3%
annual cash ÷ cash in
10.3%
cash flow + appreciation + recapture
ROE
7.2%
Projected Home Value
$959,000
current value + project cost
Projected Equity
$509,000
after new financing
Cash Invested
$209,000
out-of-pocket basis
Existing Equity
$300,000
before ADU build
Ready to make your project a reality? Schedule an ADU Financing Consultation
Model build costs, interest-only draws, and permanent financing for new construction or major renovations.
Check your debt-to-income ratio against lender guidelines — essential for qualifying on any loan program.
Analyze rental property cash flow and debt-service coverage — the key metric for investor loan qualification.