3–5 Weeks
Project Preparation
Code & Zoning Research
Site Analysis & Siting
Utilities Assessment
Permitting Pathway
Summary of Findings
Cost & Timeline Estimates
Financing Your ROMA
Yes, this is actually doable
Most of our clients don’t pay for their ROMA cabin in cash on day one. They use smart tools that already exist in the housing and lending world. Here are the four paths we see most often.
HELOC – Use Your Home’s Equity
A Home Equity Line of Credit (HELOC) lets you use the value already sitting in your home—often up to a few hundred thousand dollars in higher-value Connecticut properties.
Why people like it:
- Interest-only payments during the draw period.
- You pull funds as needed, matching design + construction milestones.
- Typically lower rates than personal loans or credit cards.
- No need to touch your existing mortgage.
Best for:
homeowners with solid equity and good credit who want flexibility during construction.
Renovation Loans – Build on Future Value
Renovation mortgages (like Fannie Mae HomeStyle® or FHA 203(k)) let you borrow based on what your home will be worth after the ROMA cabin is complete.
Perks:
- Roll the cabin + other upgrades into one mortgage.
- Long repayment terms with mortgage-level rates.
- Great if you want a full property refresh, not just the ADU.
Trade-off:
More paperwork, inspections, and lender steps—but they can unlock more total funding if your current equity is limited.
Personal Loans – Fast and Simple
Personal loans are unsecured, so they don’t lean on your house as collateral.
Good when:
- You need funds quickly (often up to ~$100K, depending on your profile).
- You want to cover early phases like feasibility, design, and permitting.
- You plan to refinance or roll the project into a different product later.
Rates are usually higher than HELOCs, but speed and simplicity can be worth it for some clients.
Cash – Clean and Straightforward
Some clients choose to pay in cash from savings or investments.
Why it’s appealing:
- No interest, lender fees, or bank timelines.
- Maximum control over pacing and scope.
- Potential room for early-payment discounts from vendors or contractors.
You leave this step with:
A trusted team, precise drawings, and a partner watching over quality, so your finished ROMA feels like the calm, wellness space you imagined.
How ROMA Helps
You Plan the Money Side
You Plan the Money Side
We’re not a bank, but we are your ideas partner and translator between “design dream” and “real-world numbers.” Here’s how we support your financing journey:
Finance info for website
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Budget + cash-flow planning
We map your project phases against how your chosen financing works (draws, inspections, timelines). -
Lender-ready documents
Clear plans, cost estimates, and narratives that make it easier for lenders to understand and underwrite your project. -
Introductions to ADU-friendly lenders
We connect you with local partners who already understand wellness cabins and ADUs. -
Milestone-based payments
Our fee structure is tied to real progress—so you always see what you’re paying for and when. -
Built-in contingency thinking
We help you plan for a 10% cushion so surprises don’t derail the project..
Ready to See What’s
Possible on Your Property?
Possible on Your Property?
YOUR ROMA READY IN AS LITTLE AS 24 WEEKS
YOUR ROMA READY IN
AS LITTLE AS 24 WEEKS
AS LITTLE AS 24 WEEKS
2–4 Weeks
Schematic Design
One-Time ROMA Build License
Site-Specific Adaptation
Preliminary Pro Forma
2–4 Weeks
Zoning & Permit Approval
Code Compliance Adjustments
Engineer-Stamped Plans
Permit Submission Support
(Municipal approval timeline varies by town)
2–4 Weeks
Project Execution
Construction Documentation
Build Team Matchmaking
Budget Optimization
15–20 Weeks
Build your ROMA
ROMA Wellness cabin can be built in as little as 12 weeks with most projects completed within 14 to 20 weeks depending on site and material availability.
24–37 Weeks
A Home Spa, perfected:
immerse, unwind,
and emerge renewed.
and emerge renewed.
Contact us:
Leave us your details so we can give you more information.