Whether dividing an existing large home into apartments, or building an ADU, homeowners need the full gamut of construction expertise and rarely have it. A ‘utility’ that can offer financing, plans, permitting, legal, construction and management a la carte or in total would make it much easier for homeowners to take these steps with a trusted partner at the least cost. Offering the legal, financing and management functions would make the creation of rentals much easier as the owner would not need to have capital, just equity, and would not need to take on the work of being a landlord.