Affordability, by design
In a market this expensive, the most credible lever isn't a cheaper house, it's an income unit. Buy a well-built fixer with real potential, add an ADU whose rent covers its own construction debt, and a home you couldn't otherwise carry becomes carryable. Move the sliders.
Does the ADU pay for itself?
Concept estimates only, not an appraisal, quote, or financial advice. Assumes a renovation/construction-to-perm loan financing reno + ADU on as-completed value, property tax ~1.25%, insurance + maintenance ~$600/mo, ADU vacancy/management 15%, ADU financed at the project's loan-to-value. Historic-overlay (HPOZ) neighborhoods can raise ADU cost and timeline.
Send me a listing and I'll run the design and the numbers: structure, potential, ADU feasibility, and the all-in math.