A Real Home. Not a Shed. Not a Prefab Box.
390 square feet of steel-frame construction. Turnkey finish. Private entrance. Built to last decades.
Size
390 sq ft
Foundation
Foundation
Pier-and-beam
Frame
Bathroom
Foundation
Steel construction
Kitchen
Bathroom
Bathroom
Full - cabinets & appliances
Bathroom
Bathroom
Bathroom
Full - turnkey
Entrance
Build Time
Build Time
Private - separate
Build Time
Build Time
Build Time
60 - 90 Days
HVAC
Build Time
Hot Water
Mini-split installed
Hot Water
Hot Water
Hot Water
Tankless propane
Every Tier Puts Money In Your Pocket.
Cash flow positive on every single tier from day one.
Pick the down payment that fits your budget.
We finance directly — no bank involved at any stage.
We Are The Bank. No Bank Can Compete with US Here
No bank in the country finances chattel ADU units.
We are the only lender in this market.
That means no mortgage application, no appraisal, no approval process.
Apply Your Monthly Profit to the Note. Eliminate the Balloon. Own it Free and Clear
There is no prepayment penalty.
If you apply your monthly profit back to the note as extra principal, here is what happens:
Three Simple Connections. Built On-site. Move-in Ready
The unit is built on your property from the ground up — fully wired and plumbed during construction by licensed tradespeople.
Once built, your contractors make three final external connections to your existing services and the unit is live. Tenant pays all utilities directly — your cost is zero.
60 Amp Electric
Licensed electrician runs a dedicated 60 amp circuit from your panel to the unit during construction.
Tenant sets up their own National Grid RI account and pays electric directly.
$800–$2,500 one time
Cold Water + Drain
Cold Water + Drain
Standard garden hose thread connection to your outdoor water supply.
Drain connects to your sewer or septic via 4-inch ABS line.
$700–$2,300 one time
Propane - Standard
Total one-time connection cost
Cold Water + Drain
Tankless propane water heater and range installed during construction. Works on any RI property — no gas line required.
Tenant manages their own propane account. Your cost: $0.
Natural gas upgrade available
Total one-time connection cost
Total one-time connection cost
Total one-time connection cost
$1,800–$5,220
· Recovered in your first 1–4 months of rental income
· Traditional ADU utility rough-in: $15,000–$30,000
We Don't Use a Credit Score as the Primary Qualifier.
We look at income and stability.
Most RI homeowners with a steady job qualify.
Here is what matters.
Income Verification
2 months of pay stubs or equivalent documentation.
Self-employment income accepted with tax returns.
Employment Stability
Employment Stability
12+ months at current employer or verified self-employment income history.
Property Ownership
Debt-to-Income Under 43%
Employment Stability
You must own the property where the unit is placed.
No rented lots.
Debt-to-Income Under 43%
Debt-to-Income Under 43%
Debt-to-Income Under 43%
Total monthly debts including our payment stay under 43% of your gross monthly income.
Site Feasibility
Debt-to-Income Under 43%
Debt-to-Income Under 43%
Backyard must accommodate a 13′ × 30′ unit with required setbacks.
Confirmed free at site visit.
No Credit Score Minimum
No Credit Score Minimum
No Credit Score Minimum
We do not require a minimum credit score. No bank approval. No appraisal. No mortgage contingency. Ever.
Know Someone With a Backyard? You Could Earn $5,000
Once you are a North American ADU homeowner, every neighbor, friend, or family member you refer who closes a deal puts money directly in your pocket.
Same fee schedule as our realtor program — paid directly to you, no broker required.
$5,000 on your 1st referral
Paid directly to you
$7,500 on your 2nd referral
$10,000 on your 3rd referral
Paid directly to you
$10,000 on your 3rd referral
$10,000 on your 3rd referral
$10,000 on your 3rd referral
Paid directly to you.
There is no limit to how many referrals you can make.
How To Refer Someone
$10,000 on your 3rd referral
How To Refer Someone
- Tell them about your ADU and what you earn monthly.
- Text or call us with their name, phone, and property address.
- When their deal closes — we mail you a check.
- No broker. No middleman.
Your Backyard is Sitting Idle. Let's Change That.
A free site assessment takes 30 minutes.
We tell you exactly what your backyard qualifies for, what your monthly income would be and what your total investment is.
No commitment.