
Cash-Out
Cash-Out Refinance to Build an ADU in 2026: What Works, What Doesn’t
On a full cash-out refi to build an ADU in 2026, you can't use future ADU rent to qualify. See how Fannie/Freddie rules and appraisal timing decide your path.
Loan types

On a full cash-out refi to build an ADU in 2026, you can't use future ADU rent to qualify. See how Fannie/Freddie rules and appraisal timing decide your path.