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    Build Your ADU with
    Smart Financing

    Three ways to access equity for your ADU: Future Value HELOC, 5-Day Digital HELOC, or a No Monthly Payment Home Equity option.

    Licensed in California and Florida. Serving homeowners and real estate investors throughout both states.

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    Why This ADU Financing Strategy Stands Out

    • Keep the low rate on your 1st mortgage
    • Use projected future value (After-Renovated Value / ARV) to create equity for ADU construction
    • Available for current homeowners and homebuyers
    • Can be used on a purchase or refinance
    • Borrow up to 95% of projected ARV, subject to program guidelines
    • Second-lien HELOC options up to $500,000
    • No draws or inspections
    • Permits not required prior to closing
    • Full access to funds at closing
    • New HEI/HEA option can help when monthly HELOC payments strain cash flow

    Perfect For

    Rental income
    Multigenerational living
    Guest house or home office
    Adding value to your property

    Three Powerful Funding Options

    1

    Future Value
    Renovation HELOC

    • Uses projected after-renovated value to help fund your ADU
    • Ideal for purchase or refinance
    • Great when current equity is limited
    • Full access to eligible funds at closing

    Projected after-renovation value may be considered for eligible borrowers and properties, subject to appraisal or valuation, lender guidelines, property eligibility, documentation, and underwriting approval. Projected value does not guarantee qualification or a specific credit limit.

    Learn more about Future Value HELOCs →
    2

    5-Day
    Digital HELOC

    • Fast funding option for qualified borrowers
    • Streamlined digital process
    • Ideal when you already have enough current equity
    • Speed and simplicity for ADU-ready homeowners

    “5-Day” refers to a streamlined process that may be available for certain qualified borrowers and eligible properties. It is not a guarantee of closing or funding within five days. Actual timing varies based on documentation, verification, property information, lender requirements, underwriting, third-party services, and borrower responsiveness.

    Learn more about Digital HELOCs →
    3

    No Monthly Payment
    Home Equity Option

    • Access equity without a new required monthly payment
    • Designed for cash-flow sensitive homeowners
    • No need to replace your current mortgage
    • Settle later by sale, refinance, or buyback per agreement

    This option may be provided through a third-party Home Equity Investment, Home Equity Agreement, or similar provider and is not a traditional mortgage loan or HELOC. No traditional monthly loan payment may be required, but settlement obligations, provider fees, appreciation sharing, lien or security interests, property requirements, and other contractual terms may apply.

    Learn more about home equity for ADUs →

    ADU Financing Questions

    Yes. Park Place Lending offers a Future Value Renovation HELOC that can use the projected after-renovated value, or ARV, of the property when determining available equity for qualified ADU projects. Program limits, property requirements, borrower eligibility, and underwriting guidelines apply.

    Certain Future Value Renovation HELOC programs may not require completed building permits before loan closing. Local permits and approvals are still required before construction where applicable. Final requirements depend on the specific financing program and property.

    Yes. Many ADU financing solutions are structured as second-lien or home equity products, which can allow qualified homeowners to keep their existing first mortgage in place rather than refinancing the entire property.

    Some eligible ADU financing transactions may close very quickly, often through a streamlined digital HELOC for homeowners who already have sufficient current equity. Actual timing depends on borrower qualification, property information, documentation, underwriting, and program requirements, and no specific timeframe is guaranteed.

    Potentially. Home Equity Investment or Home Equity Agreement programs may allow qualified homeowners to access equity without a traditional required monthly loan payment. These products are not traditional mortgage loans and may involve liens, fees, future appreciation sharing, repayment events, or other terms. Availability and terms vary by provider.

    Park Place Lending & Investments Inc. serves qualified homeowners in California and Florida. Founder Jim Park, NMLS 2012003, specializes in ADU and home equity financing strategies for homeowners evaluating construction, renovation, modular ADUs, and other property improvements.

    Ready to Build Your ADU?

    Contact Jim Park today to explore the best financing option for your unique situation.

    Apply NowBook A Call

    By submitting this form, you acknowledge that you have reviewed the Privacy Policy and Terms of Use and consent to Park Place Lending & Investments Inc. contacting you regarding your inquiry or requested financing options.