ADU financing with no monthly payments

Get an ADU by sharing a portion of the future equity.
No payments. Easy to qualify. Share a portion the appreciation.

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No monthly payments, ever
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Share a portion of appreciation (capped) when you sell or refinance
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Easy to qualify: low credit, low income, no prob
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See how much you could qualify for

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This is the total amount of cash you need to finance your ADU.
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"Home Value" is what your home is currently worth. You can check Zillow or Redfin to get an estimate.
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Mortgage remaining is the amount of payment that you still owe on your primary home mortgage
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Appreciation is the of increase in the price of your home. This is measured as a yearly number.
Advanced (assumptions)
You could qualify up to
$445,000 to build your ADU
Highlights
💰
Rent your ADU, earn $45,000 per year (estimated)
🤝
Get $100,000 cash, share the equivalent of 6% APR
✌️
No monthly payments, pay when you sell or refinance
Year
15
Home Price
$1,930,000
60% increase
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Year
15
Appreciation
$930,000
$94,000
/year
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Est. total rental income
$330,000
$43,000
/year
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Get started with a lender

Compare the top 5 home equity share lenders

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From $15,000 - $600,000
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Capped APR: 15 - 20%
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Capped at 70% of Home Share
Get Free Estimate
Amount you share with Hometap
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000 with Hometap. You would own the remaining $980,000 of your home.
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From $30,000 - $500,000
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Capped APR: 18%
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Capped at of Home Share
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Amount you share with Unlock
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000 with Unlock. You would own the remaining $980,000 of your home.
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From $30,000 - $500,000
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Capped APR: 12.99 - 16.99%
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Capped at 80% of Appreciation Share
Get Free Estimate
Amount you share with Splitero
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000 with Splitero. You would own the remaining $980,000 of your home.
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From $25,000 - $500,000
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Capped APR: 15 - 20%
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Capped at 40% of Appreciation Share
Get Free Estimate
Amount you share with Point
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000 with Point. You would own the remaining $980,000 of your home.
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From $30,000 - $500,000
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Capped APR: 15 - 20%
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Capped at 70% of Appreciation Share
Get Free Estimate
Amount you share with Unison
$323,000
Other Fees (at closing)
$5000
Appreciation Share
$5000
Original Investment Payback
$0
$100,000
When you refi or sell your home, you would share $288,000 with Unison. You would own the remaining $980,000 of your home.
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Side-by-side comparison

Get a deeper look and compare the top Home Share lenders side-by-side

Max Amount
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This is the total investment .amount (cash you get).
Share Type
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Appreciation Share is the amount of value your house grows after the investment. Home Share is a share in the entire home.
Loan-to-value
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LTV is a ratio of your mortgage (the "L" in LTV) with the appraised value of the property (the "V").
Term
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This is the settlement date, or when you have to buy out the investor.
Risk Adjustment
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Lenders will add this to offset risk. If your home is worth $100k, a 3% risk adjustment would value it as $97k.
Share in ADU
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Some lenders won't share in home improvements, since it increases the home value.
States
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The states that these lenders serve.
30% of home value (capped at $600k)
Home Share
75%
10 years
None
Yes
18
43.75% of home value (capped at $500k)
Home Share
85%
10 years
None
No
15
41% of home value (capped at $500k)
Appreciation Share
85%
30 years
12% - 18%
No
1
22.5% of home value (capped at $500k)
Appreciation Share
80%
30 years
15% to 20%
No
17
17.5% of home value (capped at $500k)
Appreciation Share
75%
30 years
3%
No
29
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