Free Tool · 2026
The Alternative Home Decision Engine
Eight questions on budget, land, financing, and how you'll use it — then see which of the 8 alternative housing categories actually fit, and why the others might not. No email required.
1. Primary Use
What will this be used for?
2. Portability
Do you want the option to move it later?
3. Budget
What's your approximate all-in budget for the structure?
4. Land
What's your land situation?
5. Financing
How do you plan to pay for it?
6. Size
About how much square footage do you want?
7. Involvement
How hands-on do you want to be?
8. Resale
How much does appraising like a standard house matter?
Your Best-Fit Categories
Why the Others Might Not Fit
This tool suggests categories worth researching further based on your answers — it isn't a guarantee any specific option is legal, available, or financeable at your target location. Zoning, lender, and local code requirements vary and always need direct confirmation. See our Certification & Code Decoder for the legal detail behind each category and our Cost Calculator for a detailed price estimate once you've picked one.
How This Tool Works
Each category is scored against your answers using rules grounded in this site's own sourced research: ADUs require an existing property with a primary home already on it; tiny homes on wheels need RVIA or NOAH certification for RV-style financing and cannot get a conventional mortgage under any certification; manufactured homes typically use chattel or FHA Title I financing while modular homes qualify for conventional mortgages as real property from day one; barndominiums are typically built much larger and average around $230,000 total; park model RVs are capped at 400 sq ft under ANSI A119.5 and are not intended for full-time year-round residency in most jurisdictions. See our Certification & Code Decoder and Manufactured vs. Modular guides for the full sourcing behind these rules. This tool does not collect or store your answers.