Does Modular Construction Really Save Time and Money?
Risk Management for Modular ConstructionWhen you think of traditional modular construction, most people imagine cheap, single- or two-story buildings...
RDC is a 3rd-generation general contracting company with over 35 years of experience specializing in the design, engineering, permitting and building of traditional stick-built and modular projects. We offer modular ADUs, Modular Single-Family Residences (SFRs), Tiny Homes, Hotels, Assisted Living Facilities, and custom Multifamily Modular projects, all built to the same standards and codes as stick-built homes.
Our architects create inspiring designs blending innovation and eco-friendly practices to build functional, lasting structures that meet your vision and the environment’s needs precisely.
Creating sustainable spaces that enhance lives while respecting nature and local community values in every project.
Rowland Development
Our architectural expertise combines innovation and precision to deliver visionary buildings that perfectly fit your needs and dreams.
RDC is committed to excellence and lasting quality for every project.
Expert advice offered at no cost to help you plan and realize your development and design goals clearly.
Our team is ready around the clock to support your project requests.
RDC offers pre-construction and engineering services tailored for modular home construction, we turn your vision into reality for both residential and commercial projects.
Commercial construction delivers efficient, modern spaces that support business growth and success.
Before you commit to a new build, our experienced team and civil engineers can perform...
At RDC, our expert Civil Engineering team provides the essential foundation and site development support...
Choose RDC for top-notch structural engineering services tailored to your modular construction needs...
Designing with intent—our strategic solutions reduce costs while maintaining top-tier quality and design excellence
We provide innovative building and architectural services tailored to your needs with efficiency, precision, and sustainable outcomes in every phase.
We deliver impactful, sustainable design solutions that earn lasting trust and recognition from clients across the world.

CEO Bciaga
We appreciated their dedication to quality and timeless design. Every stage was handled with professionalism and architectural expertise we could trust.

Founder ArchEdge
From planning to execution, their architectural team impressed us. Functional spaces, beautiful layouts, and great collaboration throughout the project.

Director BuildSpace
Our team offers around-the-clock support for urgent architectural needs, ensuring responsive service, expert planning, and guidance. From concept to on-site solutions, we’re committed to solving space challenges with precision and speed.
When it comes to modular home financing, several loan options can help you secure the funding you need. These include:
If you're building a new modular home, you'll need a construction loan. If the land isn't already acquired, a land loan will also be necessary. Be aware that construction loans often require higher down payments.
Utilize the equity in your existing home to fund your modular project or ADU.
The Federal Housing Administration (FHA) offers mortgages for modular homes. These generally require a minimum down payment of 3.5% for homes affixed to a foundation.
For eligible homebuyers in rural areas, USDA loans from the U.S. Department of Agriculture can be an option. These loans sometimes allow for no down payment and may cover both the home and the necessary land.
Qualifying military connections can allow homebuyers to purchase a modular home with as little as 0% down through VA loans.
Home Equity Line of Credit (HELOC) lets you borrow against your home's equity, offering a revolving line of credit up to a set limit. With HELOC, you only pay interest on the amount of cash you've actually drawn, typically over a period of up to 10 years.
A cash-out refinance allows you to access the equity built up in your home to finance your ADU's construction. This involves refinancing your existing first mortgage for a larger amount, and you receive the difference in cash.
Freddie Mac allows the financing of properties with ADUs through all their mortgage offerings, providing flexibility for borrowers to finance, refinance, or build an ADU. Rental income from an ADU can even be used as qualifying income if specific requirements are met.
The California Department of Housing and Community Development (HCD) provides a list of state grants and financial incentives for ADUs with affordable rent for very low to moderate-income households. Examples include
CalHome Program — State funds to local public agencies and nonprofit corporations for first-time homebuyer mortgage assistance including a home purchase with an ADU or JADU
San Diego Housing Commission ADU Finance Program — The program provides financial assistance in the form of construction loans (up to $200,000) and technical assistance (at no cost to the homeowner) that helps homeowners understand and complete the process of building an ADU.
City of Clovis: ADU Finance Program — Provides financing to eligible property owners seeking funding to build or repair ADUs on their existing single-family lot in the City of Clovis.
Santa Cruz County: ADU Forgivable Loan Program — Offers forgivable loans up to $40,000 to homeowners who rent ADUs to low-income households at affordable rents for up to 20 years.
San Mateo County: One Stop Shop Program — Provides no-cost support from Hello Housing with the design, permitting, and project management involved with building an ADU.
Monterey Bay: My House My Home Program — Creates affordable ADUs for low-income senior homeowners in the Monterey Bay area.
City of San Jose: Accessory Dwelling Unit Program — Provides pre-approved ADU plans and support for ADU construction.
City of Chico ADU Program — Provides pre-approved ADU plans and support for ADU construction.
Housing Trust Silicon Valley — Provides funding to support homeownership, rental housing, development financing, and offers programs for homeowners.
Explore insightful updates on architectural trends, innovative designs, and sustainable building practices shaping tomorrow’s spaces.
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Their design process was thoughtful, efficient, and tailored to every detail. The results exceeded our expectations and brought our vision to life.