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Poway, CA · Construction Financing

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

Private construction financing for Poway 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 Poway

What to Know About Poway

Poway calls itself “The City in the Country.” It is known for large lots, horse properties and riding trails, with Lake Poway and open space around the city. Parts of Poway are in high fire hazard areas.

Custom building on Poway’s large lots is common, and those sites frequently involve septic, grading, equestrian improvements and fire-zone construction requirements. We underwrite to approved plans, a realistic budget and completed value.

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

Poway Neighborhoods

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

Green ValleyOld Powayneighborhoods near Lake PowayGarden Road areaSouth Poway

Straight Answers

Construction Loans in Poway: Questions

Do you finance custom homes on Poway’s large lots?

Yes. Septic, grading, equestrian improvements and fire-zone requirements are common, and they belong in the budget.

Do you lend in Poway?

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

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

Get Started → or call (818) 937-9987

Serving Poway 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.