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

Construction Loans in El Monte
Ground-Up, ADUs and Rebuilds.

Private construction financing for El Monte 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 El Monte

What to Know About El Monte

El Monte sits in the middle of the San Gabriel Valley between the San Gabriel and Rio Hondo rivers, with the 10 Freeway and El Monte Station running through it. Homes are mostly modest single-family houses from the 1940s through the 1960s, mixed with small apartment buildings and lots that hold more than one unit.

Construction in El Monte is mostly about adding units: ADUs, rear houses and small multifamily on existing residential lots. Older lots may have unpermitted structures that have to be legalized or removed before new work is approved. Parts of the city near the rivers also deserve a flood zone check. We underwrite to the approved plans and fund in stages 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

El Monte Neighborhoods

We lend throughout El Monte and the rest of Los Angeles County, including these areas.

Downtown El MonteFlair ParkNorwood VillageArden Villageneighborhoods near San Gabriel Valley Airport

Straight Answers

Construction Loans in El Monte: Questions

Can I build an ADU behind my house in El Monte?

Often, yes. If the lot has older unpermitted structures, those may need to be legalized or removed first. We fund against the approved plans.

Do you lend in El Monte?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Los Angeles County deals directly, including El Monte, 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 El Monte

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Construction Loans Elsewhere in Los Angeles County

Santa ClaritaLong BeachGlendaleTorranceBurbankPasadenaWest CovinaDowneyHawthorneCarsonLos AngelesLancasterPalmdalePomonaInglewoodNorwalkComptonSanta MonicaWhittier

Have a Build in El Monte?

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Serving El Monte 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.