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.