ADU for investors

Built around yield and turnaround.

An ADU isn’t a lifestyle project, it’s a unit that has to cash flow. What it rents for and how fast it gets from decision to rent cheque are the two numbers that matter. One team producing the full design package, drawings included, is our biggest lever over the second one: no waiting on a separate sub before permit submission.

  • Yield
  • Build cost
  • Turnaround
Back-of-napkin deal

14.3% gross yield on the build.

Gross, before vacancy, property tax, insurance, upkeep and financing. Illustrative only, not a quote. Ranges are typical for Hamilton, Burlington, Brantford and Paris in 2026.

UNIT 2MAIN HOUSEUNIT 2
Time to first rent chequeFaster, existing structure
Capital in
$130,000
Rent a year
$18,600
Simple payback
7.0 yrs
01

Add rent where there was one unit.

  • 01

    As-of-right zoning

    Up to three residential units allowed on most urban lots without a rezoning application, removing the committee-hearing gamble.

  • 02

    Tight rental supply

    Every market we serve has demand ahead of supply, which keeps well-located legal units renting quickly.

02

Regional ranges, not Toronto numbers inflated to look better.

Inside the house

Basement apartment

Separate building

Garden suite

Capital$80k–$175kTypical all-in cost, 2026
Capital$200k–$300k+Typical all-in cost, 2026
Rent$1,300–$1,800Per month, typical 1-bedroom
Rent$1,800–$2,400Per month, typical 1-bedroom
TimeFasterTo first rent cheque: existing structure
TimeSlowerTo first rent cheque: full new build

Once Projects is live, that’s where we’ll publish sourced numbers by area and unit type. Until then, model your address with Cost & Financing and the Cost Calculator.

03

Basement first, garden suite to stack.

On a lot with room for both, stacking a basement unit and a garden suite roughly doubles the rent roll off a single property.

Lower capital, faster startADU

Basement apartment

The better first move on almost any deal, quicker to permit and build, sooner to produce rent.

  • Lower cost
  • Faster
Higher rent, zero shared wallsADU

Garden suite

Costs more and takes longer, but rents for more and stands fully separate from the main house.

  • More privacy
  • Higher capital

Full comparison: Basement Apartment vs. Garden Suite

04

One property is different from a portfolio.

One property

HELOC or conventional refinance

A single ADU on a property you already own is usually financed the same way a homeowner would.

Portfolio / multiplex

CMHC MLI Select

For new construction of five or more rental units, rewarding affordability, accessibility and energy-efficiency commitments with up to 95% LTV and amortizations to 50 years. Worth knowing if a project is heading toward a small multiplex.

We’re not mortgage brokers. If you’re structuring financing across multiple properties, that’s a conversation for your broker or lender. We’ll tell you what a given property can physically support.

05

Same reason it helps your turnaround.

One point of contact producing the whole design package, instead of you coordinating separate consultants on every deal. That’s what lets us hold a real turnaround number across your second, third and tenth property, not just your first.

Coordinating separate consultants4 handoffs
  1. You
  2. Designer
  3. HVAC designer
  4. Revisions
  5. Submission
One team, full design package2 handoffs
  1. You
  2. Northpoint
  3. Submission
  • Fewer handoffs
  • One design team
  • Faster submission

Full breakdown: Process · Timeline

06

Pick the question closest to yours.

Have a property in mind?

Bring us the address, we’ll tell you the turnaround.

What the property can physically support, what it costs to get there, and how fast it gets to a rent cheque, before you commit to drawings.