Financing an ADU? You’d better know your options—or it could cost you big. 💸🏡In Episode 6 of the BuildX Podcast, Buz sits down with Jeff Mancovsky, Branch Manager at Mortgage Equity Partners, to break down the real story behind ADU financing in Massachusetts. With over 30 years of experience in the mortgage game, Jeff knows exactly what works (and what blows up deals).They cover everything from HELOCs, second mortgages, and multi-generational ownership structures to the hidden pitfalls of cash-out refis and how to leverage equity without wrecking your long-term plans. Whether you’re trying to bring family home, build an in-law suite, or invest in your property’s future—this episode is packed with real-world advice and tactical financing strategy.📌 Plus: Tips on deed structuring, working with multiple siblings, and future-proofing your ADU for resale or retirement.👉 Huge thanks to Jeff Mancovsky and the Mortgage Equity Partners team for dropping the knowledge.👇 Find them online:🔗 mortgageequitypartners.com📲 Instagram: @MortgageEquityPartnersJust Build Baby! 🇺🇸00:00 Introduction to Build X Podcast00:37 Meet Jeff Mankowski: Financial Expert02:04 Understanding Intermediate Banks (IMBs)03:54 Financing ADUs: An Overview08:03 Case Studies and Real-Life Scenarios13:29 Family Dynamics and ADU Financing24:06 Design Considerations for ADUs26:30 Introduction to HELOCs and ADUs26:59 California's ADU Evolution28:09 Financing and Secondary Markets29:36 Appraisal and Home Equity31:11 Choosing the Right Contractor34:24 Family Dynamics and ADU Financing35:39 Adding Family Members to the Deed36:46 Estate Planning and Financing Options38:35 Multiple Children and Estate Planning40:25 Case Studies and Real Scenarios41:23 Lightning Round: Personal Insights46:20 Conclusion and Podcast Wrap-Up