The Pros and Cons of Adding an Accessory Dwelling Unit

accessory dwelling unit

Are you struggling to decide whether or not an accessory dwelling unit is right for you? HFS Financial knows things like this can be a major decision to make, but with our help, you can get the financing you need to make all of your dreams a reality. 

With every decision you make, there are pros and cons. We have all likely experienced weighing the positives and negatives of a decision at some point in our lives. Our experts are here to help get you started with your list of pros and cons for adding an accessory dwelling unit to your primary residence. 


There are numerous pros to building an accessory dwelling unit on your property. We have a few favorites to get you started on your own list. 

More Space

The biggest positive we see is adding more space to your home. We don’t imagine there are many people out there who haven’t thought at one point or another about needing a little extra room for something. The space could serve so many purposes, from extra bedrooms, bathrooms, office space, gym space, or even a hangout space. The possibilities are endless and can be customized to meet your individual needs. 

Extra Income

Adding an accessory dwelling unit can also allow you the opportunity to generate extra income for your household. In today’s economy, that is one of the biggest positives of all! 

Create a space that you can rent out as an apartment to help support you for years to come.

Separate Areas

Adding in an accessory dwelling unit will also allow you to create a separate area, if that is what you need. If you are looking to create an office or home gym, having the space away from the main areas of the home can allow you more peace while accomplishing things. 

If you are creating an apartment-type space for people to live in, it will allow for more privacy for everyone involved.  

Add Value to Your Home

Finally, an accessory dwelling unit will add value to your home. Having more square footage and space that can be utilized in many ways will increase your home’s value. Everyone wants a little more space, and they will pay for it when it comes time for you to sell.


We really only see two cons to adding an accessory dwelling unit. You have to build it, and you will need financing. HFS Financial can help with both!

Construction at Your Home

No one loves the construction phase of a project, but once you are finished building your accessory dwelling unit, this phase is done. We find it helpful to remind ourselves that it is only a phase, and the pros will greatly outweigh this con.

Need to Find Financing

Finally, while finding financing can typically be difficult, HFS makes it super simple. In just 60 seconds, you can use our rate checker to see if you qualify for the loan you need for your ADU. From there, our experts will help you complete the process, so you can get funds in hand for the best home addition.

There are so many excellent reasons to build an accessory dwelling unit of your own and definitely not enough cons to keep you from it. Reach out today to get started making things happen. “You Dream It. We Finance It.”


The Pros and Cons of Adding an Accessory Dwelling Unit

HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.