In this emotional and strategy-packed episode, I sit down with RJ Jaramillo - a seasoned mortgage expert and fellow ADU trailblazer who joins us live from his own backyard JADU in San Diego. 💥

We dive into:

• How one 80-year-old used his backyard to create a caregiver unit for his wife with dementia 💔➡️❤️
• The 3 “empty nester” options every homeowner should consider before retirement
• How RJ built a modular ADU + JADU on his San Diego lot before the pandemic hit then rented his main house to a military family 💰
• What a reverse second mortgage is and why it's a game-changer for boomers looking to build without touching their low-interest-rate first mortgage
• Why Clever Tiny Homes and modular units with fixed costs are changing the financing game for aging homeowners, millennials, and fire-displaced families alike

This episode isn’t just about financing, it’s about future-proofing your family and investing in care, community, and flexibility. 🏡✨

🔁 Know a parent, client, or neighbor who’s sitting on equity? Share this episode with them. It could change their life.

🎧 Hit subscribe for more stories like this, and don’t forget to leave a review if you loved it!

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Connect with RJ Jaramillo:

📞 (619) 807-0287

IG:https://www.instagram.com/richard.rj.jaramillo/

Connect with me:
📧 stephanie@adugginvestments.org
Website: www.adugginvestments.org
Youtube: www.youtube.com/@stephsellADU
Instagram: @StephSellsADUs

In this episode, I sit down with Felipe Hernandez, an ADU designer, permit consultant, and former building plan checker for the City of LA. Felipe brings the real insider knowledge because he used to be the one reviewing and approving your ADU plans. 👷🏽‍♂️📐

We dive deep into:

• His transition from working at LADBS to launching his firm, LA Lots
• The most common (and costly) ADU mistakes homeowners and investors make
• Why AB 2533 is a game-changer for unpermitted garage conversions 🔓
• Real talk on serving our Latino community with transparent design guidance
• How to build legally, ethically, and profitably without getting stuck in city hall red tape

Whether you're an investor looking to build income units or a homeowner trying to do things right this episode is a must-listen.

🎧 Stay tuned ‘til the end for a quick breakdown in Spanish for our comunidad 🙌🏽

Connect with Felipe:
📧 Email: felipe@lalots.com
📱 Instagram: @lalotplans
🌐 Website: https://www.la-lot.com/

Connect with me:
📧 stephanie@adugginvestments.org
Website: www.adugginvestments.org
Youtube: www.youtube.com/@stephsellADU
Instagram: @StephSellsADUs

En esta segunda parte de la conversación con Felipe Hernandez, diseñador y consultor de permisos, hablamos 100% en español sobre lo que más se preguntan los dueños de casa latinos:
👉🏽 ¿Cuánto cuesta convertir un garaje en un ADU?

Felipe comparte:

• El costo real de planos y permisos para una conversión típica 🧾
• Qué factores pueden aumentar el precio (zonas montañosas, terrenos irregulares, etc.)
• Por qué un ADU sigue siendo más accesible que comprar un condominio o una casa
• Cómo la nueva ley AB 2533 permite legalizar unidades sin permisos sin reconstruir desde cero 🏘️
• Casos reales de familias latinas que están usando ADUs para vivienda multigeneracional y estabilidad financiera 💸👨‍👩‍👧‍👦

Si estás pensando en construir o legalizar tu unidad ya existente, este episodio es para ti.

📲 Conecta con Felipe Hernandez:

📧 Email: felipe@lalots.com
📱 Instagram: @lalotplans
🌐 Website: https://www.la-lot.com/

Connect with me:
📧 stephanie@adugginvestments.org
Website: www.adugginvestments.org
Youtube: www.youtube.com/@stephsellADU
Instagram: @StephSellsADUs