IL Total Design And Build

05/28/2026

Thinking about building an ADU but not sure how to pay for it? We just published a full breakdown of every financing option available to San Diego homeowners in 2026 — including a City of San Diego program that offers 1% interest loans up to $250K that most people have never heard of.
We cover HELOCs, cash-out refis, construction loans, RenoFi, the SDHC program, and the CalHFA grant — ranked by who they actually work for. Plus a new Fannie Mae rule from March 2026 that changes how much you can qualify to borrow.
Includes an interactive payment calculator so you can run your own numbers before talking to a lender.
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Finance your San Diego ADU with confidence. We compare 6 loan options — HELOC, cash-out refi, RenoFi, SDHC program, and more — with real 2026 rates and a payment calculator.

05/25/2026

The San Diego family home your parents bought decades ago could hand the next generation a property-tax bill big enough to force a sale.
Prop 19 quietly changed the rules — and almost nobody realizes an ADU can actually be the tool that keeps the home, and its low taxes, in the family.
We broke it down in plain English: what gets reassessed, how families preserve a low tax basis across generations, and the mistakes that cost the most. (We're builders, not CPAs — but this is worth understanding before you build or inherit.)

Do You Have A Construction Project We Can Help With? Get a free quote What are you thinking of doing? Let's see if we can help.

12/29/2025

See what Nancy had to say about working with us on her beautiful new ADU in San Diego 😀