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Santa Clarita, CA · Construction Financing

Construction Loans in Santa Clarita
Ground-Up, ADUs and Rebuilds.

Private construction financing for Santa Clarita builders and investors, with draws tied to completed work and inspection milestones.

✓ Ground-up & rebuilds
✓ ADUs & additions
✓ Staged draws
✓ $50K–$5M+
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Construction Loans in Santa Clarita

What to Know About Santa Clarita

Santa Clarita grew mostly from the 1960s onward, so much of its housing is tract and master-planned, with Valencia as the best-known example. Older homes and the original downtown are concentrated in Newhall, while Canyon Country and the hills between neighborhoods bring slopes, canyons and brush.

Building in Santa Clarita usually means dealing with terrain. Hillside lots in Canyon Country and the canyons between neighborhoods often need grading and drainage work before vertical construction starts, and many of those areas are mapped as high fire hazard zones, which brings ignition-resistant building requirements. We size the loan to the real budget for that work and release draws as it gets done.

How It Works

Construction Loan Terms

Staged Draws
Funds are released as work is completed and inspected, so the loan follows the build instead of a generic schedule.
Plans and Budget First
We underwrite against your approved plans, a realistic budget and the completed value of the project.
Spec or Custom
Spec homes, custom builds, tear-down rebuilds, additions and ADUs.
$50K–$5M+
Loan Amounts
Staged Draws
Tied to Inspections
Plans + Budget
Underwritten Together

Rates, leverage, points and fees depend on the project and are disclosed in writing before you commit.

Where We Lend

Santa Clarita Neighborhoods

We lend throughout Santa Clarita and the rest of Los Angeles County, including these areas.

ValenciaSaugusNewhallCanyon CountryOld Town Newhall

Straight Answers

Construction Loans in Santa Clarita: Questions

Will fire-zone building rules affect my Santa Clarita budget?

Often, yes. Lots in canyon and hillside areas mapped as high fire hazard zones generally need ignition-resistant materials and construction methods, which change costs. Bring your plans and budget and we’ll underwrite against the real numbers.

Do you lend in Santa Clarita?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Los Angeles County deals directly, including Santa Clarita, rather than routing them through an out-of-state call center.

How do construction draws work?

The loan is released in stages. As each phase of work is completed, it’s inspected, and the next draw is funded. That keeps the money matched to progress on the job.

Have a Build in Santa Clarita?

Tell us about it and we’ll give you a straight answer.

Get Started → or call (818) 937-9987

Serving Santa Clarita and Los Angeles County, California

Michael Daniel Investments, Inc.

417 Arden Ave, Suite 121A, Glendale, CA 91203 · (818) 937-9987

California Department of Real Estate DRE# 02037255 and NMLS# 233991.