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Jaken Finance Group Partners With BOXABL
By Jaken Finance Group · Principal, Jaken Finance Group
Jaken Finance Group partners with BOXABL on investor ADU financing — non-owner-occupied construction at 8.99%–13.5% IO and DSCR takeout at 5.75%–10.5%.
Hoffman Estates, Ill. — September 9, 2026 — Jaken Finance Group today announced a referral partnership with BOXABL, the Las Vegas–based modular housing manufacturer known for fold-out Casita units. The partnership gives real estate investors a clearer path from BOXABL order through non-owner-occupied construction financing and DSCR rental takeout — without mixing primary-residence mortgage rules into an ADU rental play.
Disclosure: Jaken Finance Group may earn a commission if you order a BOXABL unit through our referral link: BOXABL order page. That does not change BOXABL’s pricing or Jaken Finance Group’s loan terms. Financing decisions are made separately on each investor file.
Important scope note: Jaken Finance Group only finances non-owner-occupied investment property. If you plan to live in the BOXABL or on the host lot as your primary home, use retail mortgage channels — not Jaken Finance Group’s investor construction or DSCR programs.
Companion guide: BOXABL Casita models investor guide · Order: BOXABL Casita order flow · Finance: Submit investor scenario
Why did Jaken Finance Group partner with BOXABL?
Real estate investors added accessory dwelling units (ADUs) at record pace in 2024–2026 as cities from Chicago to Washington DC to Los Angeles expanded by-right ADU entitlements. Factory-built modules promised faster field time than stick-built backyard cottages — but capital stack confusion slowed deals: investors did not know whether BOXABL was treated like site-built ADU collateral, manufactured housing, or something else for construction draws and DSCR exit.
Jaken Finance Group already originates new construction loans for investors at 8.99%–13.5% interest-only with up to 100% loan-to-cost on qualified files, capped at 75% of as-completed value. BOXABL’s Casita line — Studio, One-Bedroom, and Two-Bedroom models plus RV-coded Baby Box and Phase 2 beta for developers — gives investors a catalog with published September 2026 pricing. The partnership connects that catalog to documented financing and zoning resources investors need before they wire a deposit.
| Partnership element | What investors get | Source |
|---|---|---|
| BOXABL order path | Published unit and turnkey pricing; $250 fee + $2,500 deposit | BOXABL order flow, Sept 2026 |
| Jaken Finance Group construction | 8.99%–13.5% IO; up to 100% LTC qualified; 75% as-completed cap | Jaken Finance Group program terms |
| DSCR takeout | 5.75%–10.5% on stabilized non-owner-occupied rental | Jaken Finance Group DSCR program |
| Zoning resources | City-specific ADU guides linked below | Local municipal codes |
Who is this partnership for?
The BOXABL × Jaken Finance Group stack targets investors, not owner-occupants shopping for a primary home:
- Landlords adding a backyard rental ADU on a lot they already own or are acquiring
- Small developers placing one to several Casitas on infill parcels under Phase 2 beta where BOXABL lists developer programs
- BRRRR operators who will lease the BOXABL (or host + ADU pair) and refinance into construction-to-DSCR rental takeout
- Out-of-state sponsors using modular delivery to reduce field labor in tight subcontractor markets
Who should not use Jaken Finance Group for BOXABL?
| Situation | Why Jaken Finance Group is not the fit |
|---|---|
| Primary residence on the Casita or host home | Jaken Finance Group does not originate owner-occupied mortgages |
| RV-park chattel play on Baby Box without real-property path | Different collateral class — see DSCR loans for manufactured homes |
| Speculation without rent or resale exit | Construction credit requires documented exit |
| Markets where ADU is prohibited | Zoning failure stops the file — verify first |
What BOXABL models can investors order today?
BOXABL publishes four consumer-facing paths relevant to investors. Full model comparison: BOXABL Casita models investor guide.
| Model | Size | Unit-only (Sept 2026) | Turnkey (Sept 2026) | Typical investor use | Source |
|---|---|---|---|---|---|
| Studio Casita | 361 sq ft | $60,000 | $140,000 | Single tenant ADU, alley lot | BOXABL product pages |
| One-Bedroom Casita | 722 sq ft | $100,000 | $185,000 | Standard backyard ADU | BOXABL product pages |
| Two-Bedroom Casita | 722 sq ft | $110,000 | $200,000 | Small-family rental ADU | BOXABL product pages |
| Baby Box | Compact | RV-coded pricing | Varies | Short-stay / RV-zoned sites only | BOXABL Baby Box page |
| Phase 2 beta | Multi-unit | Developer quote | Developer quote | Small infill clusters | BOXABL developers page |
Turnkey pricing includes BOXABL-managed scope elements investors would otherwise bid locally — foundation, set, utilities, and finish vary by market. Unit-only pricing leaves site work to your general contractor and is the usual path when Jaken Finance Group funds land + soft costs + vertical + finish on one construction budget.
How does investor financing work with BOXABL?
Most investors run a two-loan sequence: short-term construction, then long-term DSCR rental takeout once the ADU is complete, leased, and appraised.
Phase 1 — Construction / hard money (investor ADU build)
| Term | Jaken Finance Group program |
|---|---|
| Rate | 8.99%–13.5% interest-only |
| Leverage | Up to 100% LTC on qualified files |
| Value cap | 75% of as-completed appraised value |
| Term | Typically 12–18 months |
| Close | 10–14 business days on qualified files |
| Apply | New construction application or ADU construction loans |
Construction loans fund budget line items, not marketing timelines. Draws release against inspections — foundation, set, MEP rough, finish — on a schedule your lender and BOXABL field team align. Sponsors who treat factory delivery as “the whole project” underestimate carry cost and miss draw milestones.
Example budget skeleton (One-Bedroom, unit-only path — illustrative):
| Line item | Low | High | Notes |
|---|---|---|---|
| BOXABL unit | $100,000 | $100,000 | Sept 2026 list |
| BOXABL order fees | $2,750 | $2,750 | $250 fee + $2,500 deposit |
| Foundation / set / utilities | $35,000 | $65,000 | Soil, frost line, panel upgrade |
| Permits / soft costs | $8,000 | $25,000 | City-dependent — see zoning section |
| Finish / landscape / contingency | $10,000 | $30,000 | Investor GC scope |
| All-in (excluding land) | ~$155,750 | ~$222,750 | Verify locally before LOI |
Land purchase or lot equity sits outside the unit quote. If you already own the lot free and clear, 75% of as-completed value still caps total debt — not “100% of everything” on every file.
Phase 2 — DSCR rental takeout
| Term | Jaken Finance Group program |
|---|---|
| Rate | 5.75%–10.5% fixed or ARM |
| Qualification | Property rent vs. PITIA (debt service coverage ratio) |
| Occupancy | Non-owner-occupied investment property only |
| Timing | After CO, lease, appraisal |
| Apply | Construction-to-DSCR takeout hub |
DSCR lenders treat the BOXABL ADU as rental income on the collateral once legally permitted and leased. Host-house plus ADU deals may qualify as a single collateral package or two collateral pieces depending on vesting and appraisal — bring your entity structure early in scenario intake.
What is the BOXABL order process for investors?
BOXABL’s public order flow (September 2026) works like this:
- Configure Studio, One-Bedroom, or Two-Bedroom on the order page
- Pay $250 reservation fee
- Pay $2,500 deposit toward production queue
- Coordinate delivery timing with site readiness — foundation, crane path, utility stubs
Investor sequencing tip: Pull zoning confirmation and a construction budget before you deposit. A canceled BOXABL order because the city denied an ADU is an expensive lesson. Jaken Finance Group can review a pre-order scenario at submit-scenario — soft-cost review, not a BOXABL production guarantee.
| Step | Paid to | Financed by Jaken Finance Group? |
|---|---|---|
| $250 reservation | BOXABL | No — investor cash |
| $2,500 deposit | BOXABL | No — investor cash |
| Land / lot | Seller | Often yes — construction loan |
| Site work + set | GC / subs | Yes — draw schedule |
| BOXABL balance at delivery | BOXABL | Yes — if in approved budget |
How should investors think about BOXABL timelines?
Factory-built modules compress vertical installation compared to stick framing on a small footprint. They do not replace:
- Zoning and ADU entitlement — 4–16+ weeks depending on city
- Foundation and utility engineering — 2–8+ weeks
- Inspection cycles — multiple visits
- Certificate of occupancy — final municipal sign-off
Investors should not underwrite a two-month project calendar for a permitted ADU with DSCR exit. Marketing clips showing a unit unfolding in an afternoon describe set day, not investor hold period. Underwrite interest carry at 8.99%–13.5% IO across the full realistic schedule in your market.
| Phase | Typical investor calendar (range) | Source |
|---|---|---|
| Feasibility + zoning | 2–8 weeks | Local ADU guides below |
| Permitting | 4–12+ weeks | Municipal building departments |
| Site prep + foundation | 3–8 weeks | GC bid |
| BOXABL production queue | Variable | BOXABL order communications |
| Set + MEP + finish | 4–10 weeks | GC schedule |
| CO + lease-up | 2–6 weeks | Property management |
| DSCR refi | 2–4 weeks post-lease | Jaken Finance Group DSCR program |
Is BOXABL modular, manufactured, or an ADU?
Collateral classification drives appraisal, insurance, and DSCR exit. Investors should not assume every BOXABL project fits one label.
| Product path | Code / classification | Typical financing lane | Source |
|---|---|---|---|
| Casita on permanent foundation | Modular / site-assembled ADU in most cities | Jaken Finance Group new construction → DSCR | Local building official + BOXABL docs |
| HUD-tagged manufactured | HUD Manufactured Home Construction and Safety Standards | Manufactured DSCR — stricter comps | HUD |
| Baby Box RV-coded | Recreational vehicle | Not standard 30-year DSCR on chattel | State DMV / local zoning |
| Phase 2 developer beta | Project-specific | Construction line + portfolio exit | BOXABL developers page |
When appraisers ask for comps, modular ADUs often pair with site-built ADU sales and modular real-property sales — not park chattel. See manufactured home ARV and comps for the comp discipline that keeps 75% as-completed leverage from binding unexpectedly.
Where do local ADU rules fit?
BOXABL ships nationally. Entitlement is local. Before you order, read the guide for your target market:
| Market | Investor ADU resource |
|---|---|
| Chicago | Chicago ADU ordinance 2026 investor guide · ADU zoning basics — Chicago edition |
| Washington DC | DC ADU rules investor guide |
| Los Angeles | ADU zoning basics in Los Angeles |
| Miami | ADU zoning in Miami |
Common zoning gates that stop BOXABL ADU deals:
- Owner-occupancy requirements on the host lot (investor LLC may need lease structure review)
- Maximum ADU size vs. 722 sq ft One/Two-Bedroom footprint
- Setbacks from alley, easement, or flood plain
- Short-term rental bans — most Jaken Finance Group DSCR exits assume long-term lease, not Airbnb
- HOA restrictions — modular ADUs still need architectural approval in many associations
What insurance and carry costs should investors budget?
BOXABL projects fail pro formas when investors budget the module price but skip carry and risk transfer line items. Construction-phase insurance and debt service run every month the project is not leased — and that period includes permitting, not just field work.
| Cost line | Typical range | When it starts | Source |
|---|---|---|---|
| Builder’s risk policy | $1,200–$4,500 per project | At construction loan close | Insurance broker |
| General liability (GC) | Included in GC bid or $800–$2,000 | Site mobilization | GC contract |
| Vacant land / host policy adjustment | $300–$1,200/year delta | Notify carrier pre-set | Landlord insurer |
| Construction interest (IO) | Budget × rate ÷ 12 | First draw | Loan terms 8.99%–13.5% |
| Property tax (if applicable) | Market-specific | Varies by county | County assessor |
| Utilities during build | $150–$600/month | Temp power/water | Utility company |
Example carry sketch: $180,000 outstanding construction balance at 11% IO ≈ $1,650/month interest before any draw paydown. A nine-month realistic timeline ≈ $14,850 interest-only — plus insurance and soft costs. That number belongs in every BOXABL spreadsheet before deposit.
Landlord policy at DSCR takeout is a separate quote. Appraisers and DSCR underwriters expect replacement cost adequate for modular structure — share BOXABL spec sheets with your insurance broker early.
Can investors hold BOXABL ADUs in an LLC?
Most Jaken Finance Group investor files allow LLC vesting on non-owner-occupied collateral. The BOXABL order name and construction loan borrower name must align with your closing strategy — mismatches delay draws and CO.
| Vesting pattern | Common use | BOXABL order tip |
|---|---|---|
| LLC owns land + ADU | Portfolio landlords | Order in LLC name or assign before set |
| Individual owns land, LLC will hold | Transition at refi | Plan deed timing with title company |
| Individual investor | Single ADU hold | Simplest draw path |
Bring entity documents to scenario intake in week one. Changing borrower entity mid-construction triggers re-underwriting and may reset appraisal ordering.
How does BOXABL compare to stick-built ADUs for investors?
Investors always ask whether modular saves money versus stick-built backyard ADU. The honest answer: it depends on labor market, lot conditions, and who manages scope.
| Factor | BOXABL Casita (unit-only) | Stick-built ADU | Source |
|---|---|---|---|
| Factory price transparency | Published list — Sept 2026 | GC bid only | BOXABL vs local market |
| Field labor exposure | Lower on shell | Higher — full framing | RSMeans / local bids |
| Schedule risk | Factory queue + set | Weather + sub availability | GC schedules |
| Design flexibility | Fixed floor plans | Architect custom | Project goals |
| Appraisal comps | Modular + ADU sales | Site-built ADU sales | County MLS |
| Jaken Finance Group financing | Same construction → DSCR | Same construction → DSCR | Jaken Finance Group programs |
In Chicago, ADU zoning basics and rear-yard geometry often favor a 361 sq ft Studio or 722 sq ft module over custom stick-built when alley access is tight. In Los Angeles, ADU zoning encourages standardized units when setback envelopes are fixed. In Miami, flood elevation and ADU zoning review may add site costs that narrow the modular premium — run local bids before assuming BOXABL wins.
What draw schedule should investors expect on a BOXABL file?
Jaken Finance Group construction loans release funds against completed work, not BOXABL marketing milestones. Typical draw sequence on a unit-only Casita:
| Draw # | Milestone | Typical % of budget | Inspection |
|---|---|---|---|
| 1 | Land close / soft costs / permits | 10%–20% | Budget review |
| 2 | Foundation complete | 15%–25% | Engineer / city |
| 3 | BOXABL set + dry-in | 30%–40% | Module set report |
| 4 | MEP rough + insulation | 10%–15% | Mechanical sign-off |
| 5 | Finish + punch | 15%–25% | Final walk |
| 6 | CO + lease (if holdback) | 5%–10% | CO document |
BOXABL $2,750 order fees sit outside draws — pay from investor cash. Module balance at delivery usually hits draw #3 — coordinate BOXABL invoice timing with your loan officer before production queue so you do not pay factory balance on a credit card while waiting for inspection.
Experienced sponsors on second and third ADU repeats often shorten draw friction by reusing the same GC and inspector relationships — see new construction loans for investors for repeat-sponsor notes.
How does Jaken Finance Group underwriting review a BOXABL file?
Bring these to scenario intake before you wire BOXABL deposits:
- Lot control — deed, purchase contract, or ground lease allowing ADU
- Zoning memo — city confirmation or licensed land-use letter
- Budget — unit quote, site work, soft costs, contingency
- Exit plan — long-term rent pro forma or documented resale (investment property only)
- Entity vesting — LLC allowed on most investor files; confirm early
- Insurance quote — builder’s risk during construction; landlord policy at takeout
- BOXABL order confirmation — model, unit-only vs turnkey, delivery assumptions
Underwriters stress-test 75% of as-completed value even when 100% LTC is advertised. If your pro forma rent does not support DSCR at the capped loan amount, reduce leverage or increase equity before production queue — not after CO.
| Underwriting question | What “qualified” usually means |
|---|---|
| Is the exit realistic? | Lease or sale at investor terms — not owner-occ |
| Does the budget include soft costs? | Permits, fees, deposits, carry |
| Are comps available? | Modular / ADU sales in county |
| Is timeline honest? | Multi-month — not viral “two-month” clips |
What rent and appraisal data should investors gather pre-order?
DSCR exit lives or dies on defensible rent and as-completed value. Before you place a BOXABL deposit, pull:
- Three to five long-term ADU or small SFR leases within one mile — same bed/bath class as your model pick
- Three sold comps — modular ADU, site-built ADU, or small SFR on owned land (not RV chattel)
- Operating expense ratio — taxes, insurance, maintenance, vacancy on the host lot or ADU standalone
- DSCR math at 5.75%–10.5% with realistic rate quote from scenario intake
| Model | Comp search focus | Common appraisal risk | Source |
|---|---|---|---|
| Studio 361 sf | Studio ADU, small 1BR | Thin comp pool in suburbs | MLS / county |
| 1BR 722 sf | 1BR ADU, small SFR | Confusing with 2BR if mislabeled | MLS / county |
| 2BR 722 sf | 2BR ADU, small SFR | Size cap denial in some zones | Zoning + MLS |
Appraisal methodology overlaps with manufactured home ARV and comps when collateral class is disputed — document modular specs for the appraiser packet.
Are short-term rentals allowed on BOXABL ADU projects?
Most Jaken Finance Group DSCR exits assume long-term lease income — not Airbnb or VRBO. Cities increasingly restrict STR on ADUs:
- DC ADU rules — primary-residence STR licensing; ADUs typically long-term
- Chicago ADU ordinance — verify local STR registration
- Los Angeles ADU zoning — host-city STR rules apply to ADU income claims
If your pro forma requires STR, disclose it at submit-scenario — DSCR STR programs exist on select files but differ from standard long-term ADU takeout. Do not assume viral STR revenue from BOXABL marketing applies to your permitted ADU.
What should investors compare before they commit?
| Option | Upfront cost | Timeline control | Financing familiarity | Source |
|---|---|---|---|---|
| BOXABL Casita unit-only | Lower factory price; higher local bid risk | Factory queue + local GC | Jaken Finance Group construction → DSCR | BOXABL + Jaken Finance Group |
| BOXABL turnkey | Higher all-in; fewer moving parts | BOXABL-managed scope | May simplify draws — verify line items | BOXABL order flow |
| Stick-built ADU | Local bid $150K–$350K+ typical | Fully local schedule | Same Jaken Finance Group construction → DSCR | Local GC market |
| Prefab HUD manufactured | Lower shell cost | Dealer set | Manufactured DSCR — stricter | HUD dealers |
None of these choices eliminates zoning work. The partnership advantage is price transparency on the module plus a known investor lender — not a shortcut around municipal ADU rules.
How do investors get started?
Step 1 — Model and market fit: Read BOXABL Casita models investor guide and your city’s ADU guide.
Step 2 — Zoning: Confirm ADU entitlement on the lot before BOXABL deposit.
Step 3 — Finance pre-check: Submit investor scenario with budget and exit — or call (833) 264-7776.
Step 4 — Order BOXABL: Place Casita order when zoning and capital stack align.
Step 5 — Close construction loan: New construction application · ADU construction loans
Step 6 — Build, lease, take out: Construction-to-DSCR rental takeout
Contact
Phone: (833) 264-7776
Email: info@jakenfinancegroup.com
HQ: 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196
Jaken Finance Group serves real estate investors in all 50 states on non-owner-occupied investment property only.
Related reading
- BOXABL Casita models investor guide
- ADU construction loans
- New construction loans for investors
- Construction-to-DSCR rental takeout financing
- Manufactured home ARV and comps
- DSCR loans for manufactured homes
Sources
- BOXABL order flow — Casita configuration, $250 fee, $2,500 deposit, September 2026 pricing (Studio $60K/$140K turnkey; 1BR $100K/$185K; 2BR $110K/$200K)
- BOXABL developers page — Phase 2 beta program reference
- Jaken Finance Group new construction program — 8.99%–13.5% IO, 100% LTC qualified, 75% as-completed cap
- Jaken Finance Group DSCR program — 5.75%–10.5%, non-owner-occupied only
- HUD Manufactured Home program — classification reference for non-modular paths
- Chicago ADU ordinance context — local entitlement example
- DC ADU rules — accessory apartment framework example
Marketing overview — not a commitment to lend. Equal Housing Opportunity. Jaken Finance Group may earn commission on BOXABL orders placed through referral link https://www.boxabl.com/order?ref=zwuyowr.
Submit investor scenario · Order BOXABL Casita · (833) 264-7776