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Updated almost 5 years ago on .

David Maldonado's profile image
David Maldonado's profile image
David Maldonado
  • Rental Property Investor
  • from Santa Maria, CA
  • Member since Feb 6, 2019
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User Stats

157
Posts
80
Votes
David Maldonado's profile image
David Maldonado's profile image
David Maldonado
  • Rental Property Investor
  • from Santa Maria, CA
  • Member since Feb 6, 2019
Connect
David Maldonado
  • Rental Property Investor
  • Santa Maria, CA
80
Votes |
157
Posts
Buying & Selling Real Estate

Using Primary home equity to fund ADU

David Maldonado
  • Rental Property Investor
  • Santa Maria, CA
Posted

Hey everyone,

I am thinking about using a HELOC soon to build an ADU my property. My bank offers up to 100% LTV for a primary residence. My one year occupancy is coming up and would like to know if having a balance on a HELOC or even just initiating one would affect me when I try to buy my next Owner occupied home? I would like to use the HELOC as a "Mortgage" for the ADU and just have the unit pay the loan over time while cash flowing.

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