Financing and phasing: how homeowners make the project easier

Many homeowners phase an ADU or addition to reduce stress:

• Phase 1: design + approvals + site planning (lock the plan and budget)

• Phase 2: build the shell and core systems (structure, windows, rough utilities)

• Phase 3: finishes and outdoor integration (so the unit feels complete)

Ask your contractor about financing options and how milestone-based planning can keep decisions organized. A clear plan is the best “financing tool” because it reduces change orders and prevents scope creep.