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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Chula Vista, CA · Construction Financing

Construction Loans in Chula Vista
Ground-Up, ADUs and Rebuilds.

Private construction financing for Chula Vista 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 Chula Vista

What to Know About Chula Vista

Chula Vista is really two cities: older neighborhoods in western Chula Vista, closer to the bay, and the large master-planned communities of the east, including Otay Ranch and Eastlake, many of which are inside Mello-Roos districts.

New construction in Chula Vista is concentrated in the eastern master-planned areas, while the west side sees ADUs, additions and rebuilds on older lots. We underwrite against approved plans, the budget and the completed value, and fund draws as work is inspected.

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

Chula Vista Neighborhoods

We lend throughout Chula Vista and the rest of San Diego County, including these areas.

Otay RanchEastlakeRolling Hills Ranchwestern Chula VistaBayfrontRancho del Rey

Straight Answers

Construction Loans in Chula Vista: Questions

Do you finance ADUs in western Chula Vista?

Yes, along with additions and rebuilds on older lots. We fund against approved plans with staged draws.

Do you lend in Chula Vista?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including Chula Vista, 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.

More in Chula Vista

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Construction Loans Elsewhere in San Diego County

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Have a Build in Chula Vista?

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Serving Chula Vista and San Diego 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.