Anyone in San Diego used a Homestyle Renovation loan for an ADU? Looking for insights

[Ramcedel Gonzales]

Hi BiggerPockets community! 👋

I'm fairly new to real estate and currently working on my first big project—adding an ADU to my property in Escondido (San Diego County). I'm here to learn as much as I can and connect with others who have experience in this space.

I'm specifically looking for anyone who has used a Homestyle Renovation loan for an ADU. Did you get to use the future value of your home (post-ADU) to qualify for the loan? If so, how did that work out for you?

If you haven't used a Homestyle loan but have added an ADU, I'd love to know how your home appraised afterward. A ballpark figure is great—just trying to get a sense of what to expect.

Thanks so much for any advice or insights you can share! I’m really excited to be part of this community and to learn from everyone here. 🙌