#ADU financing

[regencyconstructionda]

A Modern Guide to Planning and Creating Your ADU

An accessory dwelling unit (ADU) offers a versatile solution to expand your living space, boost your property’s value, or earn extra rental income. However, the journey from concept to completion requires thorough planning and a solid grasp of the steps involved. By following a thoughtful and organized approach, you can ensure your ADU not only meets local requirements but also serves your needs seamlessly. Here's a guide to help you navigate the process from start to finish.

Navigating Local Regulations and Zoning Laws

Before diving into your ADU project, it’s crucial to familiarize yourself with the local zoning rules and building regulations. These guidelines differ from one area to another, affecting aspects like the structure’s dimensions, height limitations, and setbacks from property boundaries. Getting this right from the beginning can save you from unnecessary setbacks and legal headaches later. Engaging with your local planning department or consulting a zoning specialist will provide clarity on what’s allowed, setting the stage for a smooth start.

Crafting a Realistic Budget and Exploring Financing Options

A well-thought-out budget lays the foundation for a successful project. The cost of constructing an ADU varies widely, influenced by factors such as design, size, materials, and additional amenities. To get a sense of what to expect, seek estimates from several contractors. Financing can come from a range of sources, whether it’s tapping into home equity, applying for renovation loans, or using personal savings. Establishing a clear financial plan helps keep your project on course and ensures that each decision is made with your budget in mind.

Designing an ADU Tailored to Your Lifestyle

The design of your ADU should reflect its intended use, whether it’s a rental space, a guesthouse, or extra living quarters for loved ones. Consider how the layout and features will serve the purpose you have in mind, aiming to make the most of the available space while incorporating comforts that enhance daily living. Thoughtful elements like open-plan layouts, clever storage solutions, and energy-efficient fixtures not only make the space functional but also welcoming. Collaborating with an architect or designer who specializes in ADUs can transform your vision into a practical, regulation-compliant design.

Finding the Right Contractor and Overseeing the Build

Securing an experienced contractor is a key step toward realizing your ADU. Look for professionals who not only have a proven track record in ADU construction but also understand the nuances of local building codes. As construction gets underway, maintaining clear communication with your contractor is essential to track progress and resolve any issues that emerge. Regular site visits will keep you informed, helping to ensure that everything stays on schedule and within budget.

Planning and building an ADU can be a rewarding endeavor, providing valuable space and versatility to your property. With careful preparation and a step-by-step approach, you can transform your idea into a reality that meets both your practical and aesthetic goals.

[avalonstudiodesignbuilder]

Mastering ADU Regulations and Permits: A Comprehensive Guide

Creating an Accessory Dwelling Unit (ADU) is a brilliant way to enhance both the value and utility of your property. But before you can savor the benefits of your new space, you must carefully navigate the intricate web of regulations and permits. This guide will walk you through the crucial steps to ensure your ADU project adheres to local laws and building codes.

Grasping Local Zoning Laws

Understanding the zoning laws in your area is the first step in your ADU journey. These regulations dictate where and what types of ADUs can be built. Key factors to consider include:

Property Size: Many areas enforce minimum lot size requirements for ADUs.

Setbacks: Rules often dictate how far your ADU must be from property lines, other buildings, and streets.

Height and Size Limits: There are typically restrictions on the height and total square footage of ADUs.

Securing the Necessary Permits

Acquiring the right permits is a pivotal part of the ADU construction process. Depending on your location, you may need several types of permits, such as:

Building Permits: Required for any new construction or major renovations.

Electrical Permits: Necessary for electrical installations or modifications.

Plumbing Permits: Needed for any plumbing work.

Each permit comes with its own set of requirements and inspections to ensure compliance with building codes. Submitting thorough plans and specifications can help you avoid delays and additional expenses.

Adhering to Design and Construction Standards

Your ADU must meet various design and construction standards to ensure it is safe and functional. These standards typically include:

Building Codes: Compliance with structural, electrical, and plumbing codes is mandatory.

Energy Efficiency: Many regions require ADUs to incorporate energy-efficient features, like insulated windows and eco-friendly appliances.

Accessibility: Some jurisdictions mandate that ADUs be accessible to individuals with disabilities.

Considering Environmental Regulations

Environmental regulations play a significant role in ADU projects, focusing on minimizing the ecological impact and promoting sustainability. Important considerations include:

Stormwater Management: Effective drainage and stormwater management systems are crucial to prevent flooding and erosion.

Green Building Practices: Using sustainable materials and designs can significantly reduce your ADU’s environmental footprint.

Environmental Impact Assessments: Some areas may require an assessment to evaluate the environmental implications of your construction project.

Collaborating with Professionals

Navigating the complexities of ADU regulations and permits can be daunting, but you don’t have to do it alone. Collaborating with experienced professionals—architects, contractors, and permit expeditors—can simplify the process and ensure full compliance with local laws. These experts can assist with creating detailed plans, submitting permit applications, and coordinating necessary inspections.

Successfully managing the regulatory aspects of your ADU project is the key to unlocking its potential. By understanding zoning laws, securing the required permits, and adhering to building codes, you can ensure a smooth and compliant construction journey. Trust the expertise of Avalon Studio Design Builder to guide you through each step of this process, ensuring your ADU project is a triumph.

[madbuild]

Exclusive ADU Financing Programs at Madison Builders

At Madison Builders, we understand the financial constraints homeowners face when considering an Accessory Dwelling Unit (ADU) or garage conversion. Our exclusive financing programs will make your dream ADU project a reality without breaking the bank. Invest in an ADU with confidence and let us help you secure affordable financing. Discover the possibilities with Madison Builders today.

[aduabl]

ADUABL - Your Solution For ADU Financing In San Diego

Are you considering building an Accessory Dwelling Unit (ADU) in San Diego? Look no further than ADUABL, your go-to resource for ADU financing solutions in the area. We understand the importance of finding the right financial support to make your ADU project a reality, and our platform is designed to connect you with suitable financing options that meet your needs.

Why Choose ADUABL?

Tailored Financing Options: We know that every ADU project is unique, and so are your financial requirements. ADUABL provides a range of financing options to suit various budgets and preferences. Whether you need a home equity loan, construction loan, or other financing alternatives, our platform has you covered.

Simplified Process: We believe that securing financing for your ADU should be hassle-free. ADUABL streamlines the process, making it easier for homeowners in San Diego to find the right lenders and loan options without wasting valuable time and effort.

Local Expertise: As an established platform focusing on ADU Financing In California, we have in-depth knowledge of the local real estate and lending landscape. This means we can better understand your needs and connect you with lenders who specialize in ADU financing in the region.

Experienced Lenders: We partner with reputable lenders who have extensive experience in financing ADU projects. You can trust that you will be working with professionals who understand the intricacies of ADU financing and can offer competitive rates.

How ADUABL Works?

Submit Your Information: Visit our website at aduabl.com and provide some basic information about your ADU project and financing needs.

Get Matched: Our platform will analyze your information and match you with suitable lenders who offer ADU financing in San Diego.

Explore Options: You will receive a list of financing options tailored to your requirements. Take your time to review them and choose the one that fits your budget and preferences.

Connect with Lenders: Once you select the desired financing option, we will connect you directly with the lender to initiate the application process.

Your ADU Awaits!

Don't let financial constraints hold you back from building your dream ADU in San Diego. With ADUABL, financing your ADU project becomes a seamless experience. Take advantage of the added value and rental potential an ADU can bring to your property. Visit aduabl.com today and begin your journey towards creating the perfect ADU for your needs!

[racefortheironthrone]

Re zoning regulation reform: could you go into detail as what that would look like in terms of wiping the slate clean. I feel like it would be better to go the houston route and just be zoning free

You do not want to go the Houston route.

Houston may claim to be "zoning-free" - and to be fair, it doesn't have some of the more common regulations on land use, or density, or height restrictions (more on this in a minute) - but the reality is far more complicated and the status quo is not one that's friendly to the interests of working-class and poor residents, or to the possibility of sustainable urbanism.

The answer to NIMBYism isn't to abolish all regulations and let the free market rip, it's to surgically target zoning, planning, and litigation that is used against affordable housing, public/social housing, mass transit, clean energy, and walkable neighborhoods, and to replace it with new forms of regulation that encourage these forms of development.

So let's take take these categories in order.

Zoning

As I tell my Urban Studies students, zoning is both one of the most subtle and yet comprehensive ways in which the state shapes the urban environment - but historically it has been used almost exclusively in the interests of racism and classism. Reforming zoning requires going over the code with a fine-toothed comb to single out all the many ways in which zoning is used to make affordable housing impossible:

The most important one to tackle first is density zoning and building heights limitations. The former directly limits how many buildings you can have per unit of land (usually per acre), while the latter limits how big the buildings can be (expressed either as the number of stories or the number of feet, or as both). Closely associated with these zoning regulations are minimum lot size regulations (which regulate how much land each individual parcel of real estate has to cover, and thus how many how many housing units can be built in a given area), and lot coverage, setbacks, and minimum yard requirements (which limit how much square footage of a lot can be built on, and what kinds of structures you can build).

the other big one is use zoning. To begin with, we need to phase out "single use" zoning that designates certain areas as exclusively residential or commercial or industrial (a major factor that drives car-centric development, makes walkable neighborhoods impossible, and discourages the "insula" style apartment building that has been the core of urbanism since Ancient Rome) in favor of "mixed use" zoning that allows for neighborhoods that combine residential and commercial uses. Equally importantly, we need to eliminate single-family zoning and adopt zoning rules that allow for a mix of different kinds of housing (ADUs, duplexes and triplexes, rowhouses/terraced houses, apartment buildings).

finally, the most insidious zoning requirements are seemingly incidental regulations. For example, mandatory parking minimums not only prioitize car-dependent versus transit-oriented development but also eat up huge amounts of space per lot. The most nakedly classist is "unrelated persons" zoning, which is used to prevent poorer people from subdividing houses into apartments, which zaps young people who are looking to be roommates and older people looking to finance their retirements by running boarding houses or taking in lodgers, as well as landlords looking to convert houses from owner-occupied to rental properties.

So I would argue that the goal of reform should be not to eliminate zoning, but rather to establish model zoning codes that have been stripped of the historical legacies of racism and classism.

Planning

Similar to how zoning shouldn't be abolished but reformed, the correct approach to planning isn't to abolish planning departments wholesale, but to streamline the planning process - because the problem is that right now the planning process is too slow, which raises the costs of all kinds of development (we're focusing on housing right now, but the same holds true for clean energy projects), and it allows NIMBY groups to abuse the public hearings and environmental review process to block projects that are good for the environment and working-class and poor people but bad for affluent homeowners.

As those Ezra Klein interviews indicate, this is beginning to change due to a combination of reforms at both the state and federal level to speed up the CEQA and EPA environmental review process in a number of ways. For example, one change that's being made is to require planning agencies and environmental agencies to report on the environmental impact of not doing a project as well, to shift the discussion away from petty complaints about noise and traffic and "neighborhood character" (i.e, coded racism and classism) and towards real discussions of social and environmental justice.

At the same time, more is needed - especially to reform the public hearing process. While originally intended by Jane Jacobs and other activists in the 1970s as a democratic reform that would give local communities a voice in the planning process, "participatory planning" has become a way for special interests to exercise an unaccountable veto power over development. Because younger, poorer and more working class, and communities of color often don't have time to attend public hearing sessions during the workday, these meetings become dominated by older, whiter, and richer residents who claim to speak for the whole of the community.

Moreover, because community boards are appointed rather than elected and public hearings operate on a first-come-first-serve basis, an unrepresentative minority can create a false impression of community opposition by "stacking the mike" and dialing up their level of militancy and aggression in the face of elected officials and civil servants who want to avoid controversy. (It's a classic case of diffuse versus concentrated interests, something that I spend a lot of classroom time making sure that my students learn.)

Again, the point shouldn't be to eliminate public hearings and other forms of participatory planning, but to reform them so that they're more representative (shifting public hearings to weekends and allowing people to comment via Zoom and other online forums, conducting surveys of community opinion, using a progressive stack and requiring equal time between pro and anti speakers, etc.) and to streamline the review process for model projects in categories like affordable housing, clean energy, mass transit, etc.

Litigation

Alongside the main planning process, there is also a need to reform the litigation process around development. In addition to traditional tort lawsuits from property owners claiming damage to their property from development, a lot of planning and environemntal legislation allows for private groups to sue over a host of issues - whether the agency followed the correct procedures, whether it took into account concerns about this impact or that impact, and so forth.

As we saw with the case of Berkeley NIMBYs who used CEQA to block student housing projects over environmental impacts around "noise," this process can be used to either block projects outright, or even if the NIMBYs eventually lose in court, to draw out the process until projects fall apart due to lack of funding or the proponents simply lose their patience and give up.

This is why we're starting to see significant reforms to both state and federal legislation to streamline the litigation process. The categorical exemptions from review that I discussed above also have implications for litigation - you can't sue over reviews that didn't happen - but there are also efforts to speed up the litigation process through reducing what counts as "administrative record" or by putting a nine-month cap on court proceedings.

Again, this is an area where you have to be very surgical in your changes. Especially when the politics of the issue divide environmental groups and create odd coalitions between labor, business, climate change activists, and anti-regulation conservatives, you have to be careful that the changes you are making benefit affordable housing, clean energy, mass transit and the like, not oil pipelines and suburban sprawl.

[trapangeles]

LovelyOcean: A Journey of Authenticity, Growth, and Unstoppable Vibes with “Wednesday”

LovelyOcean isn’t just a name; it’s a reflection of artistry that’s as vast and dynamic as the sea. With her chill, melodic style and storytelling rooted in real-life experiences, this rising star is carving her own lane in hip-hop. Her latest track and video, “Wednesday,” is an homage to friendship, youthful memories, and the joy of living in the moment. Through her authenticity and lyrical finesse, LovelyOcean is capturing hearts and proving there’s room for individuality in rap.

The Inspiration Behind “Wednesday”

LovelyOcean’s new single, “Wednesday,” isn’t just a song; it’s a time capsule of cherished memories. “A few years ago, one of my friends told me I should write a song about our friend group,” she shares. “Back in high school, every Wednesday after school, we’d get together and smoke. The song is based on a real experience.”

The collaboration with ThatHippyDee, featured on the track, was serendipitous. “In 2021, I posted a clip of me rapping the first verse on Instagram. Later that day, Dee hit me up and said, ‘When I heard what you posted, I immediately started writing to it.’ He sent it over, and I was blown away. It was perfect timing because I’d been struggling with the second verse.”

This organic connection brought “Wednesday” full circle. “I met Dee in high school, so it went along with the theme,” she adds.

A Name Full of Meaning

The title “Wednesday” holds layers of significance for LovelyOcean. “It was the day my friends and I looked forward to—it was the one day we got out of school early,” she says. Beyond that, the release date added a personal touch. “I was born on a Wednesday, and when I released the song in 2022, it came out on my birthday, which was also a Wednesday. It’s a chill story about being young, being with friends, and not worrying about everything else going on around us. Honestly, it’s a nice song to smoke to.”

Crafting the Vibe

The creative process for “Wednesday” was both rewarding and challenging. “The first verse and hook came together quickly, but the second verse was tough,” LovelyOcean recalls. “After I set it aside, Dee’s verse brought it all together. The process was collaborative yet smooth.”

The music video, directed by Ari (@sunflowerarii) and shot by Daniel (@danielsun.media), added a visual layer to the narrative. “We were going for an industrial vibe, and we were lucky to shoot in the art district where my boyfriend works,” she shares. “One of the standout moments was seeing how they layered multiple shots of me into one frame—it was like there were two of me!”

The Response to “Wednesday”

The reception to “Wednesday” has been overwhelmingly positive, reigniting interest in the track released back in 2022. “The video put the song back into people’s rotation,” LovelyOcean notes. “People are impressed with the storytelling and visuals. It’s also gained popularity in unexpected places like Brazil and the Netherlands, thanks to ads and marketing efforts.”

The Artistic Evolution

LovelyOcean’s journey into music began with poetry and storytelling. “I started writing poems and stories in elementary school, but I didn’t write real songs until 2017,” she explains. Influenced by the records her dad played, CDs her sister spun, and music videos she watched with her cousin, she always knew she wanted to perform.

Her sound—chill, melodic, and lyrical—is rooted in 90s hip-hop influences like Rapsody, Black Moon, and Queen Latifah. “I put a lot of thought into beat selection and lyrics to create vivid imagery for listeners,” she says. Her authenticity is what sets her apart. “I don’t have a typical California or LA sound, but I’m just being myself. The authenticity shines through every time.”

Overcoming Challenges

As an independent artist, LovelyOcean has faced her share of obstacles. “The biggest challenges are financing everything and not comparing myself to others,” she admits. “I work full-time and have adult bills, so I use what I can for ads and promo. Sometimes I think, ‘Maybe if I sounded like them, I’d be more popular,’ but I can’t sacrifice my sound to fit the status quo.”

Her determination is unwavering: “There’s room for all women in rap to succeed. I’m sticking to my authenticity.”

The Rewards of Staying True

For LovelyOcean, one of the most rewarding moments came this year at a performance. “An MC recognized me from another show and introduced me to the crowd, saying I was dope. That recognition meant so much and made the crowd tune in.”

What’s Next for LovelyOcean?

With “Wednesday” gaining traction, LovelyOcean has already released her album, Better Than Ever, and is brainstorming her next project for 2025. “I’m focusing on marketing my current music and booking my first international performance,” she reveals.

Her dream collaboration? “Vince Staples. He’s an excellent storyteller and so authentically himself. I admire that.”

Advice for Aspiring Artists

To women breaking into the rap game, she offers sage advice: “Be yourself. Stop putting yourself in a box. Stand strong and be careful with who you trust—some folks will use your kindness against you.”

For fans, LovelyOcean is just getting started. “You can find me on every streaming platform as LovelyOcean, and my music videos are on YouTube. On Instagram, I’m @lovelyoceanwaters, and on TikTok, I’m @yo_lovelyocean.”

With her authenticity, dedication, and ever-evolving artistry, LovelyOcean is a force to be reckoned with in hip-hop. “There’s only one me, and I’m here to make waves.”

Have you been spending all your money and time on making music and shooting videos, but still not getting any exposure? Tired of just spinning your wheels? You know to get exposure you need to get featured on blogs, radio stations, playlist, and get your music e-mail blasted out to the masses. Need help getting all that done? Then check out the Package we’ve made available for you below!

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[usa-realty-llc]

certified Tiny Home by Carriage Houses NW on AVAILABLE NOW!!

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We have financing for this unit!

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(We also build backyard cottages / ADU’s )

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**$5000 in free upgrades for this model only! We are including a custom metal awning, and an LG all in one washer and dryer!!**

The Yucatán is also available in a 30 foot option with optional 2nd loft at $115,000

[johnvpinto]

Mortgage Mondays with John V. Pinto: Mastering Your Mortgage Moves!

How to use a HELOC to finance the contrition of an accessory dwelling unit parentheses ADU)

Join us for Season Five, Episode 26 of FYI with JVP 🎙🏠, where we dive into how California's recent legislation is empowering homeowners to make the most of their properties. With numerous laws enabling one-time lot subdivisions and the construction of accessory dwelling units (ADUs) and junior accessory dwelling units (JADUs), the question arises: what’s the best way to finance these exciting opportunities?

In this episode, we explore one of the most effective financing options available for constructing ADUs and JADUs. If you’re considering how to maximize your property potential, don’t miss this insightful discussion!

Ready to take the next step? Direct message me at 408-829-4141 to financially model and storyboard the construction of ADUs and JADUs on your existing property. Or, if you're interested in exploring new properties that could be subdivided into two lots—complete with an ADU and JADU on each—let’s discuss how you can turn your vision into reality. Imagine transforming one lot into six dwelling units! Don't wait; reach out today!

https://open.spotify.com/episode/0B5lCH6Z0mRwOX3gj5Tr55?si=p-bzb8WGTbCZDDIvFzcIJg

#heloc #adu #jradu #realtortips #lotsplits

[terrakan]

Closing the Year Strong: Your Property Checklist to Maximize 2025 Potential

Transforming your home into an income-generating asset doesn’t have to break the bank. Whether it’s renting out a spare room, building an ADU, or exploring short-term rentals, the potential is endless. With strategic planning and cost-effective upgrades, you can boost your property’s value and create a steady stream of income. 🏡✨

Start small! Even minimal upgrades—like adding furnishings to a spare room or giving your backyard a purpose—can unlock significant returns. Thinking about financing? Tools like HELOCs and local energy-efficient incentives can help fund your dream without straining your wallet. 💡

Don’t let zoning laws and tax regulations intimidate you. Understanding compliance and using tools to guide you can make the journey smooth and hassle-free. Smart management strategies—like automation and part-time property managers—help keep everything stress-free while maximizing returns. 📈

Your property is more than a home—it’s an opportunity waiting to be unlocked. Take the first step today to turn your vision into a reality!

[madbuild]

Affordable ADU Financing in California | Madison Builders

Looking for an affordable ADU financing in California? At Madison Builders, we understand the financial constraints homeowners face when building an ADU or converting a garage. With our exclusive financing programs, we make your dream ADU project a reality without breaking the bank. Invest in an ADU and maximize your property's value today.

[aduabl]

The Growing Craze Of Granny Flat Builds In California

Granny flat builds in Californiahave become immensely popular over the past few years. They offer excellent value and are inexpensive to build.

Here’s a look at all the reasons to build a Granny flat on your property in California –

Earn extra income: Are you wondering about the question –‘Why build a Granny Flat In California?’ If so, the great benefit is the potential to earn passive rental income. By renting out the unit, you can make extra money. The homeowners can earn extra money by listing their granny flats as a short-term option for people on holidays or visiting California. The rental income so earned can meet various financial goals.

Can be customized: Another main reason to build ADU on your property is the range of design possibilities. The granny flat builders can build the structure as per your desire. The homeowners can decide what kind of ADU they want and build it accordingly by picking and choosing the materials, smart technology options, energy systems and more.

More space: Another compelling reason to have a granny flat on your property is that added space it will provide. With an ADU, the homeowners will have an entire home suite with bedrooms, living space, a modern kitchen and baths to access whenever they want. The accessory dwelling units are perfect for older children who want more independent space but are not ready to move into a place of their own. The extra space can also be used for extra storage, office space or as a space to host guests.

Adds the appeal of the property: Having an ADU gives an added facelift to your property. It adds a tinge of luxury and warmth. It also adds up to your home value if you plan to sell the property shortly.

Wrap up There are so many good reasons to build an ADU in California. Collaborate with a good ADU consultant and get input on the various finance options for the granny flat builds.

[justinbrennan]

Dream It. Do It | Justin Brennan

Dream It. Do It | Justin Brennan https://www.youtube.com/watch?v=ZC7mXP7rgEk ADD SHORT DESCRIPTION Please visit my website to get more information: https://ift.tt/6G0S7ly 🔔 Unlock multifamily real estate success! Subscribe for inspiring podcast insights on acquiring and developing multifamily properties, success stories, & growth strategies. https://www.youtube.com/@JustinBrennan/?sub_confirmation=1 🔗 Stay Connected With Me. 👉 Facebook: https://ift.tt/nBVSDZt 👉 Instagram: https://ift.tt/NhcKpn2 👉 Linkedin: https://ift.tt/shPB09I 👉 Watsapp: https://ift.tt/B93iVd8 👉 Website: https://ift.tt/6G0S7ly ============================= 🎬 Recommended Playlists 👉 APARTMENT INVESTING https://www.youtube.com/playlist?list=PLStA37XUJ_FH8nPpDK_bQksoz9F8G9-Fo 👉 A2G Short Clips https://www.youtube.com/playlist?list=PLStA37XUJ_FGBgSZU_GQ_6KhXcTAxVG_B 🎬 WATCH MY OTHER VIDEOS: 👉 Buying A Multifamily In 90 Days For $18,000: Case Study With Justin Brennan https://www.youtube.com/watch?v=AsPrXZi_LFI 👉 ADU's Flipping & Real Estate with Brian and Nick | Abundance2Give https://www.youtube.com/watch?v=t_94wkQJwKc 👉 Las Vegas Mafia & Real Estate with Rob Brown | Justin Brennan | Abundance2Give https://www.youtube.com/watch?v=p2ZM8ehsxG0 👉 How To Buy Multifamily Apartments In 90 Days | Multifamily Investing https://www.youtube.com/watch?v=neG5DujMGfg 👉 The future of San Diego | Justin Brennan https://www.youtube.com/watch?v=2xxR21SSRPc ============================= ✅ About Justin Brennan. Welcome to Justin Brennan's channel! As CEO of The Brennan Pohle Group, I focus on acquiring and developing multifamily properties across the U.S. With over 500+ units and $157M in assets, my team and I aim for 10,000+ units and $4B in assets. Here, I share my journey and expertise in real estate, from title insurance to property management. Join me for insights on multifamily real estate, investment strategies, and personal growth. Subscribe for tips on achieving financial freedom and giving back. 🔹EXPERIENCE • Licensed REALTOR ®DRE#01866398 • 15 years experience as a Realtor and Investor • Former Asset Manager for Chase & Fannie Mae. (Handled thousands of distressed properties, short sales, and REOs throughout the USA.) 🔹EDUCATION: • Degree in Finance & Marketing - Pepperdine University • Masters Degree in Business - University of San Diego • Masters Degree in Real Estate Development - University of San Diego Burnham Moores • Certified Distressed Property Expert (CDPE) • Certified Investor Agent Specialist CIAS) 🔔Ready to master the multifamily real estate game? Subscribe for expert insights & podcasts on multifamily investments, growth tactics, and industry expertise. https://www.youtube.com/@JustinBrennan/?sub_confirmation=1 ================================= ADD HASHTAG HERE Disclaimer: Any information or advice on this channel is for educational and general guidance only. Justin Brennan and his affiliates shall not be liable for any damages from using the content. Consult a financial advisor before making investments. All information is provided 'as is' without warranties. Links to other websites are for convenience; read their privacy statements. Comments are reviewed and may be deleted if inappropriate. Public comments do not reflect the views of Justin Brennan and his affiliates. Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Justin Brennan. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided. Justin Brennan, JustinCBrennan.com, Multifamilyi.com, MultifamilySchooled.com, BrennanPohle.com. All Rights Reserved. © Justin Brennan via Justin Brennan https://www.youtube.com/channel/UCjR741czRkmAzoBKAlrPf6Q December 19, 2024 at 04:26AM

[tinyhomesofiowa]

Explore Modern Accessory Dwelling Unit Plans for Affordable Living Options | Tiny Homes of Iowa

Discover innovative and functional accessory dwelling unit plans at Tiny Homes of Iowa's financing options. Whether you're looking for a cozy guest house, a backyard studio, or a rental property, our ADU designs offer unique and sustainable living solutions. Start building your dream home today.

[adu-builder]

The Ultimate Guide to Choosing the Right ADU Builder

As housing needs evolve, Accessory Dwelling Units (ADUs) have become an increasingly popular solution for homeowners seeking to maximize their property’s potential. Whether you’re looking to create additional living space for family, generate rental income, or boost your property’s value, selecting the right ADU builder is crucial to turning your vision into reality.

Why Work with a Professional ADU Builder?

Constructing an ADU is a complex process that involves navigating local zoning laws, obtaining permits, and designing a space that is both functional and aesthetically pleasing. A professional ADU builder brings expertise, experience, and efficiency to the table, ensuring your project is completed on time and within budget.

Here are some key benefits of working with an experienced ADU builder:

Expertise in Local Regulations: ADU builders are familiar with city and county regulations, ensuring your project meets all legal requirements.

Custom Design Solutions: Professional builders work closely with you to create a design that matches your unique needs and complements your existing property.

Streamlined Process: From permits to construction, a reliable builder handles every aspect of the project, saving you time and reducing stress.

What to Look for in an ADU Builder

When choosing an ADU builder, consider the following factors:

Experience and Portfolio: Look for a builder with a proven track record of completing ADU projects. Reviewing their portfolio can give you a sense of their style and quality of work.

Licensing and Insurance: Ensure the builder is licensed and insured to protect yourself and your property throughout the construction process.

Customer Reviews: Check online reviews and testimonials to gauge the builder’s reputation and customer satisfaction.

Transparent Pricing: A reputable builder provides clear and detailed cost estimates upfront, helping you avoid unexpected expenses.

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Cum au administrat 4 oameni diferiți circa 100.000 E, care le-au venit pe merit, dar când nu erau încă pregătiți. O să terminăm cu cazul meu personal.

Cum de fapt o bucurie, o sumă mare de bani se transformă în chin și agonie. Și cum te umple de regrete și care e abordarea să nu ajungi acolo.

Și ca să clarificăm: la toată lumea eventual va veni o zi când fie prin moștenirea unui apartament or circumstanțe bune la job mai ales dacă ambii parteneri lucrează, vor ajunge față în față cu 50 sau 100 de mii de euro.

Dacă ești pregătit de acest moment, știi ce să faci, iar dacă nu, această șansă care vine o dată, de două ori în viață o vei pierde.

Back to finances, de la 27 ani în sus până la o anumită vârstă când, în cariere calificate, veniturile tind să crească foarte rapid și deci chiar și dacă nu ai de la cine moșteni bani, problema te vizează oricum.

De ce e așa problematic să primești rapid o cantitate mare de bani însă?

O să explic printr-o analogie cu mersul la sală. Să ai de administrat 100K (K înseamnă mii) e ca și cum te-ai duce la sală și ai încearca să împingi deodată 100kg la piept sau deadlift. Vei fi stângaci și îți vei rupe un os.

La fel ca la sală, cu banii vrei să ai progres în trepte, întâi cu 10kg, apoi cu 20k, apoi 30kg și poate în 5 ani ajungi să ridici 100kg. Aș vrea să dezvolt o intuiție că în finanțe există aceiași scară de progresie în abilități.

Se vede clar că suntem stângaci și nu știm ce să facem cu sumele de bani primite. Asta înseamnă că după ce te orientezi în spațiu cu salariul și costurile de trai, îți va lua ceva timp până progresezi la prima treaptă:

Să administrezi câteva mii de Euro.

După asta vei avea un set nou de cunoștințe să administrezi 10-20 de mii.

Și un set total nou de cunoștințe pe la 50-100K.

Progresul trebuie să aibă loc la foc lent, fiecare etapă având nevoie de câteva luni sau ani. Dacă ești pus direct în fața boss-ului final, pierzi jocul.

Și așa ajungem la povestea mea: după ani de adunat bani, mi-am dat seama că mai trebuie să și vând din imobilizări. Așa că m-am trezit în cont cu peste 90.000 Euro. Colac peste pupăză, mi-am dat seama că pot accesa încă 100K crescând ipoteca.

Problema arată așa: Cum aloci 200 de mii de Euro rapid cu experiența anterioară de investit? Într-un mediu în care banii își vor pierde rapid din valoare, inflaționar.

Mi-am dat seama și am început să studiez foarte intens câteva ore pe zi. Îmi trebuia să comasez circa 3-4 ani de educație financiară în unul singur. Să înțeleg diversificare, perioade similare în istorie, practici, impozite. Am înțeles gravitatea momentului, importanța și mă simțeam total nepregătit pentru el.

Iată ce am făcut, totuși: Pasul 1: Am găsit o companie stabilă și ieftină în care să pun 40% din portofoliu. Ca în caz de colaps, să nu pierd toți banii. Pasul 2: Am găsit un asset care se descurca bine în perioade inflaționare și are cantitatea limitată astfel încât printarea de bani să îl ridice în preț - AURUL. Despre asta mai târziu. Pasul 3: Am investit restul banilor în companii și asseturi care erau în creștere, growth stocks numite, asta era partea din portofoliu care trebuia să îmi aducă rezultatele ălea super mari.

Trebuia să învăț rapid. Mi-a luat fix un an să realizez că aurul nu a adus nici o performanță în ultimii 14 ani, o piatră prețioasă pe care oamenii o dezgroapă dintr-un loc, o topesc, o aduc aici, și o îngroapă sub alt loc, numit banca. Și speră să se aprecieze. Asta se cheamă asset neproductiv, non cash flow producing asset.

Odată ce am realizat că literalmente orice altceva e o investiție mai bună ca aurul de 15 ani încoace, am vândut TOATĂ POZIȚIA. În mod normal știam deja asta.

Marele meu noroc este că metaforic mă duc la sala financiară, așa că deși a fost un duș cu apă rece, am evitat greșelile majore cum ar fi asta cu aurul, sau investiția în Square, sau colapsul Celsius și am reușit ce mi-am propus.

Cazuri mai puțin fericite: unii oameni au ținut banii în cash sau i-au împrumutat altora. În termeni reali au pierdut 50% din puterea de cumpărare din 2020 încoace.

Alții i-au ținut pe cont bancar - același rezultat, efectiv au privit cum se evaporă economiile în timp ce băncile centrale creau mai mulți bani la tiparniță.

Tentația când ai acces la sume mari de bani și ești nepregătit: Să-i investești în ceva neprofitabil că oricum n-ai habar or, și mai rău, să îi cheltui pe ceva. Iar de idei nu ducem lipsă când apar bani mulți. Cine n-a visat să-și schimbe mașina învechită, să repare ceva prin casă, sau vacanța aia.. și multe altele.

Morala este că la fel cum lucrul se extinde ca să ocupe tot timpul de care dispunem, dorințele ni se extind ca să ne consume tot bugetul. Nu contează ce poate bugetul, stai să vezi ce pot dorințele noastre.

Următoarea concluzie este: la fel ca toate celelalte subiecte din viață, fitness, relație, casă, parenting, la fel și finanțele au și ele nevoie de educație, timp și evoluție.

Ne schimbăm efectiv viața, 9 ore pe zi pentru bani. Și drama cea mare e că nu știm ce să facem cu banii pentru care ne-am sacrificat 40-50 de ani, tinerețea și energia. Banii nu sunt un detaliu. Banii sunt energia vieții noastre înmagazinată în hârtii care se devalorizează. Choose wisely.