EPISODE · Mar 20, 2026 · 42 MIN
How To Fix Utah’s Housing Problems… It Starts With Your Backyard
from FinancialGinger · host Jacob Brad Johnson
Here are at LEAST 6 ways you can make money or save money with a backyard ADU. From mother-in-law living, to a backyard rental, to a podcast studio, or Air BNB, there’s never been a better time in Utah to consider a tiny home in your backyard.Tanner Gappmayer (co-founder of Summit Luxury Dwellings) dropped the most practical truth bomb about solving Utah’s housing problems… and it starts with your backyard.Listen and learn…- How to add a day one cash flowing 500 square foot ADU rental in your backyard- The difference between a mobile home, and manufacture home quality- Creative ways people use ADUs: grandparents, multi-generational living, 1% rule rentals, micro-resorts, camping retreats, and even first-time home buyer communities- How high quality ADUs expand housing opportunities in an all-time expensive Utah real estate market- Creative low-cost ways to get an ADU in your backyard.- Of course, we also talk about insuring them.Whether you want to help your parents downsize, keep your kids close, cashflow an extra $500–700/month, or want tp get into real estate without buying a second property this episode gives you the exact playbook to get creative with “tiny homes”00:00 – Meet Tanner - Perry Group Top Agent 202502:30 – Why Tanner left lending to build ADUs04:45 – What actually is a Luxury ADU? (sizes, pricing, steel frame + real property on foundation)08:20 – All-in cost breakdown: $79K–$99K home + $15K–$18K site prep = ~$120K total11:10 – Utilities & installation (pull from existing house, concrete partners, 10–12 week total timeline)15:30 – Creative uses: granny pods, multi-gen living, rentals that are 1% rule friendly, micro-resorts, workforce housing20:45 – City regulations & owner-occupied rules (Spanish Fork/Salt Lake City = friendly, Orem = tough)25:00 – Financing options: renovation HELOC on future value (Renify), construction loans, live-in-ADU + rent main house30:15 – Future vision: land development for ~$200K turnkey first-time buyer homes (land + ADU)35:40 – Insurance tips (Coverage B for other structures + why you need to call your agent)38:50 – The Turnkey Power of ADUSFind Tanner on Instagram!https://www.instagram.com/tannertinyhomes/Ask a Question and connect here!🌐 bio.site/FinancialGingerFB: https://www.facebook.com/FinancialGingerInsta: https://www.instagram.com/financialginger/FinancialGinger — Wise money choices, for peace and empowerment.Subscribe for the latest from FinancialGinger 🎤Episode #38: FinancialGingerThanks to Prime90 for sponsoring this episode!Use code Ginger15 for 15% off!Nutrimax Canine - https://prime90.com/product/canine-supplement/Prime90 Human Trace Mineral - https://prime90.com/product/prime-90-complete-mineral-supplement/ #ADU #TinyHomeUtah #AccessoryDwellingUnit #UtahHousing #MultiGenerationalLiving #1PercentRule #BackyardRental #AffordableHousingUtah
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How To Fix Utah’s Housing Problems… It Starts With Your Backyard
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