MFB Co. Inc. Construction

MFB Co. Inc. Construction Design-Build | ADUs, Additions & Remodels | Q2–Q3 Planning Now Open

AB 956 changes the backyard math.Qualifying single-family lots can now support up to two detached ADUs.That can mean mor...
09/30/2026

AB 956 changes the backyard math.

Qualifying single-family lots can now support up to two detached ADUs.

That can mean more housing, more income potential, and more value from the same property.

But more units only matter if the numbers work.

PROPERTY. CAPITAL. EX*****ON.

California just made larger ADUs a little more practical.SB 1117 has been signed into law, changing how certain impact f...
09/29/2026

California just made larger ADUs a little more practical.

SB 1117 has been signed into law, changing how certain impact fees are calculated for ADUs larger than 750 sq. ft.

For up to two ADUs on a lot:

→ ADUs 750 sq. ft. or smaller remain exempt from impact fees.
→ For ADUs larger than 750 sq. ft., qualifying impact fees are calculated only on the square footage above 750 sq. ft.

Example: Build a 1,000 sq. ft. ADU, and the impact-fee calculation applies to the additional 250 sq. ft. — not the entire 1,000 sq. ft.

For property owners considering a larger ADU, that can change the feasibility conversation.

Before deciding how much to build, understand the property, the development rules, the costs and the capital structure.

PROPERTY. CAPITAL. EX*****ON.

Manuel Francisco Bran Co. Inc.
Design-Build | ADUs | Additions | Remodels | Ground-Up Construction
CSLB #904448 | General Liability Insured

PropertyDevelopment DesignBuild MFBCoInc

CALIFORNIA JUST OPENED THE DOOR TO MORE SMALL-LOT HOUSING.Governor Newsom signed SB 1116 into law today. The bill streng...
09/29/2026

CALIFORNIA JUST OPENED THE DOOR TO MORE SMALL-LOT HOUSING.

Governor Newsom signed SB 1116 into law today. The bill strengthens California’s Starter Home Revitalization Act and expands the streamlined path for qualifying subdivisions of up to 10 homes.

For homeowners, investors and real estate professionals, this creates another reason to look beyond what a property is today — and evaluate what it could become.

The opportunity starts with understanding the land.

PROPERTY. CAPITAL. EX*****ON.

MFB Co. Inc.
Design-Build | ADUs | Additions | Remodels | Ground-Up Construction
CSLB B-General #904448

CaliforniaRealEstate MFBCoInc

Do not begin with a loan application. Begin with four questions:• Can the property legally support the ADU?• What will i...
09/21/2026

Do not begin with a loan application. Begin with four questions:

• Can the property legally support the ADU?
• What will it really cost?
• What rent is realistic?
• Which financing path fits the homeowner without putting the property at unnecessary risk?

MFB evaluates the property, capital, risk and ex*****on before money is committed.

Start with an ADU feasibility review.

Manuel Francisco Bran Co. Inc.
CSLB 904448

Homeowners 62 and older with substantial equity may have another option.A HECM reverse mortgage can sometimes provide fu...
09/16/2026

Homeowners 62 and older with substantial equity may have another option.

A HECM reverse mortgage can sometimes provide funds without monthly principal-and-interest payments. The loan balance grows over time, home equity is reduced, and the homeowner must continue paying property taxes, insurance and maintenance.

This should be reviewed independently with a HUD-approved counselor and licensed HECM lender—not treated as a sales pitch.

Manuel Francisco Bran Co. Inc. is not a lender and does not provide financial advice.

CSLB #904448 | General Liability Insured

MFBCoInc

Working through the heat isn’t toughness. Planning for it is leadership.Protect the crew in the field:• Keep fresh, cool...
09/10/2026

Working through the heat isn’t toughness. Planning for it is leadership.

Protect the crew in the field:

• Keep fresh, cool water close and drink often
• Set up shade before temperatures exceed 80°F
• Schedule heavy work earlier and rotate tasks when possible
• Take cool-down breaks before symptoms begin
• Use buddy checks and watch for cramps, dizziness, nausea or confusion
• Closely monitor new and returning workers as they acclimate

At 95°F or above, California construction crews must activate high-heat procedures—including a pre-shift review, reliable communication, water reminders and active observation.

No deadline is worth a life.

Protect the crew. Protect the project. Go home safe.

An ADU can do more than add space. It can change the income picture.Some renovation-financing programs may consider a po...
09/09/2026

An ADU can do more than add space. It can change the income picture.

Some renovation-financing programs may consider a portion of projected ADU rental income when an eligible borrower qualifies. The rules are specific, and not every property or ADU type will fit.

Start with feasibility—not promises.

Manuel Francisco Bran Co. Inc. is not a lender. Financing is subject to lender guidelines and approval.

CSLB #904448 | General Liability Insured

MFBCoInc

Sometimes the property works. The loan does not.Traditional underwriting focuses on today’s income. A properly evaluated...
09/08/2026

Sometimes the property works. The loan does not.

Traditional underwriting focuses on today’s income. A properly evaluated ADU plan also looks at existing equity, the property’s value after construction, realistic rent and whether the project can safely support itself.

Before assuming the answer is no, run the numbers.

Manuel Francisco Bran Co. Inc.
Property. Capital. Ex*****on.
CSLB #904448 | General Liability Insured

MFBCoInc

Having equity and being able to use it are not the same thing.Many older homeowners own most—or all—of their home, but r...
09/06/2026

Having equity and being able to use it are not the same thing.

Many older homeowners own most—or all—of their home, but retirement income or credit history can still close the door on a standard HELOC.

That does not automatically mean an ADU is off the table. The property, expected rent, total cost and financing structure have to be evaluated together.

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