Zero down up to $832,000 on an FHA loan gets your attention, but the real twist is where the conversation goes next. We start by talking mortgage rates, two loan programs we’re genuinely excited about, and a practical ADU financing option that lets homeowners tap equity for remodeling or building an accessory dwelling unit. We also tackle a very Santa Cruz reality: non-permitted additions and how lenders and appraisals can treat “workman-like” square footage when a buyer is trying to understand what a home is really worth.

Then the ADU story takes a hard turn into insurance. We get into what changed for ADU coverage, why some carriers no longer treat ADUs with kitchens as a simple add-on, and how quickly one policy can become two, or more, especially when the FAIR Plan enters the chat. If you’re building an ADU to rent, this segment is a must-listen because monthly costs can shift overnight.

After that, we’re joined by Hannah Healy, co-founder and co-owner of Aparo Club, Santa Cruz’s natural wine bottle shop and bar. Hannah explains what natural wine actually means, why conventional wine often relies on additives and heavy sulfites (SO2), and why alcohol ingredient transparency is still weirdly absent. We talk pet nat sparkling wine, orange wine, and why natural wine can taste “funky” in the best way. Hannah also shares how motherhood reshaped her space into a place where people can actually hang out, kids included, and how her team sells wine through tasting, curiosity, and story.

If you like conversations about Santa Cruz real estate, ADUs, insurance, natural wine, low intervention winemaking, and what “healthier drinking” really means, hit play. Subscribe, share this with a friend, and leave a review so more people can find the show.