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Updated over 8 years ago, 03/29/2016

Account Closed
  • Rental Property Investor
  • Portland, OR
332
Votes |
338
Posts

Does adding ADU to 4plex change from residential to commercial?

Account Closed
  • Rental Property Investor
  • Portland, OR
Posted

This question may be specific to places like Portland where the city encourages density by allowing accessory dwelling units (ADUs) to be added to properties in residential zones.

If I purchase a 4-plex (zoned residential R2 in Portland) and rehab it to include an ADU, can I still finance with a residential mortgage? Because the permitting process is different to add an ADU vs a bonafide extra unit, and because SFRs with ADUs in Portland are still classified as SFRs, my hunch is that an ADU could be added to a 4-plex yet the property would still qualify as residential for lending purposes.

Anyone have any concrete knowledge about that? @Charlie Fitzgerald, do you know?

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