Whether your borrowers refer to them as guest houses, in-law quarters, casitas, or tiny homes,accessory dwelling units (ADUs) are in demand and can solve for many modern housing concerns. They provide independent living space for family members, an opportunity to house a tenant for rental income or simply extra living space for residents.
Freddie Mac allows the financing of properties with ADUs through all our mortgage offerings, giving your borrowers the flexibility to finance, refinance, build or renovate an accessory dwelling unit.
Rental income generated on an ADU can even be used as qualifying income, if certain requirements are met.