ADU Underwriter — Velocity of Money

1 · Deal Inputs

Purchase price

Lot size (sqft)

Existing house (sqft)

Year built

Existing condition

City

Zip

City Rules

Verified from city codes, Aug 2026 · State floor HB 1337: 1,000 sqft minimum cities must allow, no owner-occupancy, no parking required within ½ mile of transit.

2 · Configuration (auto-determined — edit)

Max ADU sqft (override)

0 = use city rule (1,200)

New main house sqft

ADU #1 sqft

ADU #2 sqft

Lot allows 2nd ADU

Build sequence

8 · Deal Quality

Access

Lot shape

Trees to remove

Access & shape adjust site work ±; trees add removal cost + permit time.

4 · Financing

Down payment %

Construction loan rate %

Refi LTV %

Cash-out equity %

Side sewer replacement needed (pre-1986)

Side sewer cost

Advanced cost assumptions (default — edit)

New main $/sqft

Detached ADU $/sqft

Attached ADU $/sqft

Garage conv. $/sqft

Soft costs % of hard

Site work base $

Tree removal each $

Demolition $

Taxes+ins %/yr

Opportunity cost %

Closing costs %

All defaults are market estimates (Aug 2026) — edit to match your quote. Kirkland 98033 comps: new construction ≈ $700/sqft, ADUs ≈ $520/sqft.

3 · Cost Breakdown

4 · Financing

5 · After-Build Exit Value (by zip comps — default, edit)

Main $/sqft

ADU $/sqft

LTR $/sqft/mo

STR ADR $

STR occupancy %

Per-unit appraised values. With unit-lot subdivision / condominiumization, each unit sells separately — values above assume separate-unit appraisals.

Velocity of Money

3 · Cost Breakdown

4 · Financing

5 · After-Build Exit Value (by zip comps — default, edit)

6 · Equity & Cash-Out

7 · Exit Strategy Recommendation

Deal Quality & Timeline