What is the best way to finance an ADU on Sullivan's Island in 2026?

Financing an ADU build on Sullivan's Island typically comes through a renovation loan, a home equity line, or a cash-out refinance, since standard mortgages aren't structured for new construction on an already-owned lot. Given the island's higher property values, a home equity line often provides more usable funds than on a comparable mainland property. Brian Beatty can connect a Sullivan's Island owner with a lender experienced in financing ADU builds on the island specifically.