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Newport Beach, CA · Construction Financing

Construction Loans in Newport Beach
Ground-Up, ADUs and Rebuilds.

Private construction financing for Newport Beach 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 Newport Beach

What to Know About Newport Beach

Newport Beach has some of the highest property values in Southern California, from the islands and the Balboa Peninsula to Corona del Mar and the bluffs. Much of the city sits in the coastal zone, and some waterfront areas are in flood zones.

Tear-down and rebuild is the dominant form of construction in Newport Beach. Coastal development permits, design review in some neighborhoods and flood-zone construction standards on the islands and peninsula all add time. We build those steps into the loan structure and draw schedule.

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

Newport Beach Neighborhoods

We lend throughout Newport Beach and the rest of Orange County, including these areas.

Corona del MarBalboa PeninsulaBalboa IslandLido IsleNewport HeightsEastbluff

Straight Answers

Construction Loans in Newport Beach: Questions

Do coastal permits affect my Newport Beach build?

Often. Coastal development permits, design review and flood-zone standards on the islands and peninsula add time, which we build into the draw schedule.

Do you lend in Newport Beach?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Newport Beach, 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.

Construction Loans Elsewhere in Orange County

Irvine Anaheim Huntington Beach Yorba Linda Mission Viejo Lake Forest Costa Mesa Fullerton Garden Grove

Have a Build in Newport Beach?

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

Get Started → or call (818) 937-9987

Serving Newport Beach and Orange 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.

Construction Loans in Newport BeachGround-Up, ADUs and Rebuilds.