ADU's, how to finance, and alternatives

[Jeff Puciato]

Recently I've been looking into ADU's. I own a multi with an approved building space in the backyard. My questions is, how can finance this ADU without doing a HELOC or cash out refi? I know construction loans have more recently been less desirable due to higher closing costs and refinance requirements.

Has anyone here done an ADU and found the return is not worth the cost of the build? Am I better off saving my efforts and buying another SMF?

Thank you