ADU Financing

ADU financing options in San Diego.

+1-619-330-8185

TRUSTED BY SAN DIEGO HOMEOWNERS

Our Credentials & Reviews

★★★★★

5.0 Rating

★★★★★

5.0 Rating

Preferred Contractor

A+ Rating

★★★★★

5-Star Business

NRCA Member

Recent Project

Completed modern detached ADU in San Diego backyard

Before

After

Detached 400 sq ft ADU — San Diego backyard, permits included

Fund Your ADU Project

Peak Builders helps San Diego homeowners navigate ADU financing. An ADU is a significant investment—typically $100,000-$300,000—but the right financing can make it cash-flow positive from day one. We've seen every financing scenario and can guide your strategy.

Multiple financing options

Lender introductions

Cash flow analysis

Investment returns guidance

Payment timeline planning

Peak Builders & Roofers of San Diego provides professional adu financing services throughout San Diego. Our experienced team delivers quality workmanship and reliable results for every project. We understand the specific needs of San Diego homes and tailor our approach accordingly.

We stand behind our work with clear communication, fair pricing, and attention to detail. Every project receives the same level of care, from initial consultation through final walkthrough. Your satisfaction is backed by our warranties and responsive service team.

Our Work

ADU Financing in San Diego — Project Photos

Garage conversion to ADU interior San Diego

Why Choose Us

Quality Craftsmanship You Can Trust

With over 15 years of experience serving San Diego homeowners, we bring expertise, quality materials, and exceptional craftsmanship to every project. Our team is fully licensed, bonded, and insured for your peace of mind.

Your project, our proven process.

Free Consultation

We visit your home, discuss your vision, and provide a detailed estimate with no obligation.

Design & Planning

Our team creates custom plans and handles all permits with the city of San Diego.

Expert Construction

Licensed craftsmen bring your project to life with quality materials and workmanship.

Final Walkthrough

Inspection, quality assurance, and warranty coverage ensure your complete satisfaction.

Financing Guidance

Financing Consultation

Review your situation and identify best financing options for your project.

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ROI Analysis

Calculate expected rental income vs. costs to understand your investment.

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Lender Referrals

Connect with lenders who specialize in ADU construction financing.

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Draw Schedule Planning

Plan construction payments to align with your financing structure.

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Testimonials

Real projects. Real results.

Hear from San Diego homeowners who trusted Peak Builders with their most important investment.

Sarah M.

Peak Builders transformed our outdated kitchen into a stunning modern space. Their attention to detail and craftsmanship exceeded our expectations.

Kitchen Remodel, San Diego

Michael & Jennifer T.

We hired Peak Builders to finish our basement and couldn't be happier. They handled permits, design, and construction seamlessly.

Basement Finishing, Poway

Robert K.

After a hail storm damaged our roof, Peak Builders made the insurance process easy. They documented everything and installed a beautiful new roof.

Roof Replacement, Chula Vista

Lisa & David P.

Our master bathroom went from dated to spa-like thanks to Peak Builders. The frameless shower and heated floors are exactly what we envisioned.

Master Bath Renovation, Oceanside

James H.

Peak Builders built an ADU in our backyard that's now generating rental income. They navigated San Diego's permit process expertly.

ADU Construction, San Diego

Amanda R.

We bought a 1970s home and Peak Builders helped us transform every room. It's like a brand new house. Amazing team!

Full Home Remodel, Vista

Carlos & Maria G.

Our outdoor kitchen from Peak Builders is the envy of the neighborhood. Built-in grill, pizza oven, and beautiful stone counters.

Outdoor Kitchen, Escondido

Patricia W.

Peak Builders remodeled our kitchen and two bathrooms. Having one contractor for the whole project made everything easier.

Kitchen & Bath Combo, Carlsbad

Thomas & Susan B.

We added a second story to our ranch home. Peak Builders matched the new addition perfectly to our existing home.

Home Addition, Santee

Read All 12+ Reviews

Financing FAQs

The most common paths are cash-out refinance, home equity line of credit (HELOC), or a construction loan. Which makes sense depends on your current mortgage rate, equity position, and timeline. We can connect you with lenders experienced in ADU financing.

Yes, partially — only the new ADU square footage is assessed at current market value. Your existing home's assessed value and tax base are not affected. The tax increase is typically modest relative to the rental income the ADU generates.

Rental income varies by size, finish level, location, and market conditions. A well-finished 600 sq ft ADU generates meaningful income — enough to offset most or all of the monthly financing cost in most markets we serve.

Some local programs offer forgivable loans or grants for ADUs that will be rented at below-market rates. Availability changes frequently. We can point you toward current programs in your area, but verify eligibility directly with the administering agency.