Step 1 — Choose your ADU type
We start with structure — then we show typical construction costs for Rhode Island projects like yours. Ranges exclude unusual site work; your town may add requirements.
Step 1b — Size & program
What homeowners should know (Rhode Island)
- Approval “by right”: In many communities, ADUs are allowed in residential zones when they meet standard building code — without special permits or variances beyond normal permits. Your city or town has the final say.
- Owner occupancy: Older local rules sometimes required owner occupancy; current state guidance emphasizes flexibility, and many Rhode Island communities no longer require the owner to live on site. Confirm with your municipality.
- Size — studio or 1 bedroom: Often capped at the lesser of about 900 sq. ft. or a percentage of the main home’s floor area (commonly 60% in statewide-style rules; local limits apply).
- Size — 2 bedroom: Often capped at the lesser of about 1,200 sq. ft. or that same share of main-house area — verify locally.
- Bedrooms: Many ordinances cap an ADU at two bedrooms total.
- Short-term rentals: ADUs are generally for long-term housing — not for stays under 30 days (e.g. no short-term rental use where prohibited).
- Parking: Plan for about one off-street space for the ADU in addition to what the main house needs, unless your zoning says otherwise.
- Structure types: Attached and detached ADUs are commonly allowed when fixed to a foundation — not mobile homes. Conversions of garages and basements are widely used where code allows.
This is general information, not legal advice. We confirm feasibility with your jurisdiction during feasibility work.
Your property
Step 2 — Numbers for this estimate
“All-in build budget” reflects your ADU type and size choice: smaller programs cost less than a full 2-bedroom program. It is scaled from typical RI ranges (excl. unusual site work). Adjust if you have a bid or feasibility study.
Your payment is fixed for the full term regardless of vacancy, residents, or market changes. We absorb all operational risk.
Financing options — tap to compare
Adjust rates to reflect current market conditions
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8.5%
7.25%
9.0%
Your bottom line — Cash-out refinance
Net income — year by year
Return on investment
Have us review your numbers
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