See the whole monthly picture

Could your ADU pay its way?

Compare rent, financing and expenses before you commit to a build.

These are editable examples, not local rent evidence or a loan offer. Enter a lender quote and comparable legal long-term rentals. This model uses a fixed, fully amortizing loan; it does not model a variable-rate HELOC, taxes on income, appreciation, or construction-period interest.

Total project cost ($)Cash contributed ($)Annual interest (%)Loan term (years)Monthly rent ($)Vacancy (%)Monthly expenses ($): tax, insurance, utilities, managementMaintenance reserve (% of collected rent)

Monthly loan payment: $1,087
Monthly cash flow: -$63
Break-even monthly rent: $1,676

Sensitivity: change rent while keeping other assumptions fixed
Scenario	Monthly rent	Monthly cash flow
Lower rent (−15%)	$1,360	-$261
Your inputs	$1,600	-$63
Higher rent (+15%)	$1,840	$136

Annual cash flow: -$751. Cash-on-cash return: -1.5%. Negative cash flow means the modeled costs exceed rent.

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Estimate construction costs · Compare financing paths