# Can I use 'Future Rent' from a garden suite to qualify for the build?

> Yes. Similar to basement suites, if the garden suite is legal and permitted, lenders may allow 50-70% of the projected market rent to be added to your gross income.

Category: Strategy
Last verified: 2026-04-14
Source: https://ratellow.com/faqs/strategy/can-i-use-future-rent-from-a-garden-suite-to-qualify-for-the-build

## Answer
Yes. Similar to basement suites, if the garden suite is legal and permitted, lenders may allow 50-70% of the projected market rent to be added to your gross income. This often provides the extra 'lift' needed to afford the construction cost of a modern ADU, which can vary widely—typical costs often range from $150k to $250k depending on location and size.

## Related guide
- https://ratellow.com/guides/multi-generational-garden-suite

## Sources
- FCAC Guide: Shared Homeownership — https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/guideline-existing-mortgage-loans-exceptional-circumstances.html#toc3
- CMHC Multi-Unit Policy — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf