Every month you pay the mortgage, the tax, the insurance — and your house pays you nothing back. That changes now.
Think about it honestly. You write a mortgage check every month. You pay the property tax. The insurance. The roof. The water heater when it goes. The fence when the neighbor's tree takes it out.
In return, your house gives you a place to sleep — and a number on Zillow that goes up and down without ever putting a dollar in your pocket.
Meanwhile, the bills don't stop. Groceries went up. Utilities went up. The kid needs braces. The car needs tires. You're making more than you did five years ago and it feels like less. And everyone keeps telling you the answer is to "invest" — in what? With what?
There's a name for this in real estate. It's called dead equity — value that's trapped in a property, earning nothing, doing nothing, while you keep paying to carry it.
The average Utah homeowner is sitting on six figures of it. Maybe more. It shows up as a nice big number on your net worth statement, but it doesn't pay the mortgage. It doesn't pay for the braces. It doesn't give you a single option you didn't already have.
Until you wake it up.
It's called an ADU — an accessory dwelling unit. A legal, permitted, self-contained home that goes in your backyard, over your garage, or attached to your existing house. In 2021 the Utah legislature made them legal in every residential zone in the state. Most homeowners still don't know.
One ADU. One long-term tenant. One check every month. That's the whole mechanism.
Three things had to line up. They finally did.
One. Utah rents held. A 2-bed ADU in most of the Wasatch Front rents for $1,400–$2,400 depending on finish and location. Short-term rates are higher.
Two. The tax code rewards you for doing this. Cost segregation on a new ADU lets you deduct roughly 30% of the build cost in Year 1, on top of standard depreciation. For most homeowners that's tens of thousands of dollars the IRS hands back the first tax season.
Three. Financing exists that doesn't require cash. You already have the collateral — your house. Lenders now write ADU construction loans against the future appraised value, not the current one, which is why $0 down is possible.
That's why the numbers you're about to see aren't a pitch. They're arithmetic. You adjust the sliders to match your situation and the page shows you what your specific house, your specific bracket, and your specific neighborhood actually generate.
If the math doesn't work for your situation, you'll see it in about ninety seconds and you can close the tab. If it does work — and for most Utah homeowners it does — you'll see exactly how much, exactly how fast, and exactly how to start.
No cash down. No construction headaches. No figuring out zoning, permits, or financing on your own. You pick the design; we handle the rest.
In about twenty minutes online, you pick a floor plan, interior finish, and exterior elevation. We confirm your lot is eligible and lock your build price — no change orders, no surprises.
We pull the permits, run the financing against your future appraised value, and break ground. Our crews are licensed, in-house, and Utah-based — not a patchwork of subs you've never met.
We help you place a long-term tenant or list it for short-term stays, whichever pencils out better for your neighborhood. Month one, the first check hits your account.
No custom-build markup. No surprise change orders. Pick the plan that fits your lot and your goals; the price is the price.
No email. No sales call. Just move the sliders and watch the arithmetic.
Match the sliders to your house, your bracket, your neighborhood. Every line updates live.
Pick the layout that fits your lot and your goals.
Your finishes, curated by Floor & Decor.
Your ADU should look like it belongs there. Match it to your home and neighborhood.
Your design, your numbers, your path — on one page.
The numbers above are yours. Now get them priced against your actual lot, your actual zoning, and your actual financing options — by a Utah advisor, at no cost, with no commitment to build.
A Utah advisor will reach out within one business day. They'll have your numbers, your plan, and your style choices pulled up before the call. Expect roughly 20 minutes, no pressure, and straight answers about your specific lot.
Three Arena ADU owners. Three different lots. Three different plans. All cash-flow positive from month one.
Most homeowners who try this on their own quit halfway through. They hit the financing wall, or the permitting wall, or the "the contractor ghosted us" wall. We built Arena ADU so nobody has to run that gauntlet alone.
Most homeowners spend a full year just trying to permit an ADU on their own. Our system runs on a clock.
We confirm zoning, setbacks, utilities. You see a lot plan with your ADU sited and a locked price.
Construction loan closes against your future-appraised value. We pull permits. You sign nothing binding until both are approved.
Our Utah crews break ground. Weekly photo updates. Inspections scheduled, managed, passed. No change orders — ever.
Final walkthrough, c/o issued. If you want, we help screen and place a long-term tenant so month one is already rented.
Tell us a little about your lot and we'll come to you — with numbers, eligibility, and financing options pulled up before the call.
A Utah advisor will reach out within one business day.
Three minutes in the calculator. Twenty minutes on a call with an advisor. Zero dollars out of pocket to find out if your lot qualifies.