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finance

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A small, one-story, gray-shingled cottage with a red door and white trim, with overhanging trees on the left and right.

FHA Changes Could Make ADU Construction More Affordable

The Federal Housing Administration may soon allow homeowners to count projected rent toward their qualifying income to build an accessory dwelling unit. While ADU advocates call the change “monumental,” the proposed policy isn’t perfect.

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Community Land Trusts

Affordable ADUs: How It’s Being Done

In the face of limited financing options, local governments, nonprofits, and social enterprises are experimenting with ways to make affordable ADUs a reality.

Construction

How Financing Barriers Keep ADUs Expensive

Most homeowners have neither the capital nor the credit to self-finance an ADU or get a loan to build one. If financing doesn’t change, ADUs will stay niche and expensive.

Financial System

Say It With Your Chest: Race Matters in Lending

The Community Reinvestment Act was created to address racist lending practices, but it doesn’t specify race. Special purpose credit programs could help.