ADUs Are the New Duplex!
Build an Accessory Dwelling Unit (ADU) with Fieldstone Homes in your next home — turn your home into a revenue-producing asset.
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Your Home Could Be Earning For You
Most homeowners see their mortgage as a monthly expense. Fieldstone ADU owners see it as something different entirely — because their Rental Suite generates real rental income that works against that payment every single month, around the clock.
Qualify for More Home With an ADU
Here's what surprises most buyers a Fieldstone Rental Suite can actually lower your monthly payment — even on a bigger home. Because lenders count your projected rental income when you apply, the same paycheck unlocks more house, in a better community, without stretching your budget.
 | Every Fieldstone Rental Suite includes the following features as standard: • Full Kitchen — Full-size appliances, cabinetry, and counter space. Not a kitchenette. • Living + Dining — Open-concept layout with room for comfortable furniture and everyday living. • Sound Isolation — Double-padded insulation in the party wall. Engineered for privacy on both sides. • Bedroom + Full Bath — Private bedroom and a fully appointed bathroom with tub or walk-in shower. • Dedicated Parking — Extra bay or cement pad. No shared driveways with the main household. • Private Exterior Entry — Separate walkout or Bonnevet-style entry. May be enclosed per community guidelines. |
Your ADU Questions, Answered
What is an Accessory Dwelling Unit (ADU)?
An ADU is a secondary, self-contained living space on the same lot as a primary single-family home. It has its own entrance, kitchen, and bathroom. In Utah, ADUs are sometimes called rental suites, in-law apartments, or basement apartments. A Fieldstone ADU is purpose-built — not converted — which means it's engineered and permitted as a proper rental unit from the first day of construction.
Is an ADU legal in Utah?
Yes. Utah has enacted legislation specifically encouraging ADU construction to address the state's housing supply shortage. Many municipalities across Salt Lake, Utah, and Davis Counties permit ADUs, though local zoning rules vary. Fieldstone communities are pre-approved for ADU construction, so you don't have to navigate the permitting process alone.
How much rental income can an ADU generate in Utah?
Rental income depends on the community, unit size, and included amenities. Fieldstone Rental Suites are designed to achieve market rents, with projections starting at approximately $1,200 per month. A licensed appraiser prepares a formal rent schedule that is used directly in your loan application — giving your lender and underwriter a verified income figure, not a number you came up with on your own.
Can ADU rental income help me qualify for a larger mortgage?
Yes — and this is the part that surprises most buyers. FHA and conventional loan programs allow lenders to count up to 75% of projected ADU rental income toward your qualifying income at the time of application. That means your Rental Suite can unlock a significantly higher purchase price than your salary alone would support. Ask your Fieldstone preferred lender to run the numbers.
What's the difference between an ADU and a finished basement?
A finished basement is an additional living area within the primary dwelling — it shares utilities, entry points, and is not a legally separate unit. An ADU is legally distinct: it has its own exterior entrance, full kitchen, bathroom, and qualifies as a separate dwelling for rental income purposes. That distinction is what allows rental income to be counted at loan application, and what allows the space to be rented to unrelated tenants in most Utah jurisdictions.
Do I have to rent my Fieldstone ADU?
Not at all. Many Fieldstone homeowners use the Rental Suite to house aging parents, adult children, or guests. Others rent immediately to offset their mortgage from day one. The choice is entirely yours — but the option to generate income is always there when you need it, and the ADU's value is already reflected in your home's appraised worth.
Ready to Make Your Mortgage Work For You?
Schedule a consultation with a Fieldstone ADU specialist today. We'll walk you through available communities, floor plans, and financing options — no pressure, no obligation. See exactly what your income could look like with a Rental Suite built in.
