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

Construction Loans in Santee
Ground-Up, ADUs and Rebuilds.

Private construction financing for Santee 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 Santee

What to Know About Santee

Santee is a mostly residential East County city along the San Diego River, next to Mission Trails Regional Park, with neighborhoods like Carlton Hills and Carlton Oaks and open space on its edges.

Construction in Santee is mostly ADUs, additions and rebuilds, with hillside and edge-of-town lots near open space carrying grading and fire-zone requirements. We fund against approved plans with draws as each stage 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

Santee Neighborhoods

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

Carlton HillsCarlton Oaksneighborhoods along the San Diego RiverTown CenterFanita area

Straight Answers

Construction Loans in Santee: Questions

Do fire zones affect building on the edges of Santee?

Yes. Lots near open space can carry fire-zone construction requirements, which belong in the budget.

Do you lend in Santee?

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

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Construction Loans Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosEl CajonVistaLa MesaPowaySan DiegoNational CityEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have a Build in Santee?

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Serving Santee 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.