A 28×40×12 garage with loft apartment from Steel and Stud starts at $14,200 with free delivery and free installation across all 48 states. Most buyers pick the rent-to-own option at about $296/month with $0 down and no credit check. Call 1-877-275-7048 for a same-day price lock.

Yes, every Steel and Stud garage with loft apartment ships with free delivery + free installation by a certified crew, included in the listed price. Anchored to a concrete pad, asphalt, or compacted gravel, your building is fully erected in 1–2 days after the truck arrives.

Almost always for 1,120+ sq ft enclosed buildings. Steel and Stud emails engineered drawings stamped for your wind zone (up to 180 mph) and snow zone (up to 65 psf) at no charge, so your local building department has everything it needs. Permit timing typically runs 2–6 weeks by jurisdiction.

Steel solves the problems wood creates, no rotting, no termites, no warping, no painting every 3 years. Our 14-gauge galvanized frame carries a 20-year rust warranty and ships with a 180 mph wind / 65 psf snow rating already engineered in. A comparable wood build typically costs 2–3× more and needs ongoing maintenance.

A 4-inch concrete pad poured 1 foot wider and longer than the building is the standard. Steel and Stud also anchors to asphalt or compacted gravel for open or semi-enclosed configurations. A pad-pour bundle is offered at checkout if you don’t already have a slab.

Standard lead time is 3–5 weeks from order to install. Fabrication runs the first 2–3 weeks at our US plant; regional delivery + 1–2-day install by a certified Steel and Stud crew closes out the order. Rush builds are available, call 1-877-275-7048 for current capacity.

Yes, Steel and Stud’s rent-to-own partner does not pull credit. Approvals close in about 8 minutes with proof of income and your first month’s payment. Terms run 36–60 months with no early-payoff penalty, and the monthly works out to roughly $296/month on a 28×40×12 garage with loft apartment.

Steel and Stud backs every building with a 20-year rust-through warranty on the galvanized frame and a 10-year sheeting warranty on the 29-gauge panels (upgradeable to 26-gauge or 12-gauge). Workmanship on the install is warrantied for 1 year. Full warranty terms ship with your order packet.

Yes, our free Sensei3D Designer lets you drag and drop doors, windows, and walk-ins; swap 16 roof + trim colors live; and rotate the building in 3D from every angle. No login required. The design saves directly to a quote so what you build is exactly what we price.

An enclosed 28×40×12 garage with loft apartment typically adds $8,960–$13,440 in resale value per regional comp data, and most insurance carriers reduce premiums for indoor vehicle / equipment storage. Steel and Stud’s 20-year rust warranty transfers to the next owner.