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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Santa Ana, CA · Business-Purpose Lending

Cash-Out Second Mortgages in Santa Ana
Keep Your First Loan in Place.

Check Your Eligibility ↓
Call (818) 937-9987Get Started

Tap the equity in your Santa Ana primary residence or investment property for a business or investment purpose, without refinancing your existing first mortgage, subject to our underwriting.

✓ Keep your 1st mortgage
✓ Primary or investment property
✓ Equity-based approval
✓ $50K–$5M+
✓ Self-employed or turned down by a bank? We look at the equity first.
Check Your Eligibility
No obligation. A real person will follow up.

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Know Before You Call

Do You Qualify? What to Expect

Up to 65% Combined LTV
Your first mortgage plus the new 2nd can total up to 65% of the property’s appraised value in California.
$50K to $5M+
Loan amounts start at $50K.
Business or Investment Purpose Only
Proceeds go to a business or investment use, and you sign a business-purpose statement at closing.
Rates and Fees in Writing
You get the rate and fees in writing before you commit to anything.

Quick Self-Check

Is This the Right Loan for You?

This May Be a Fit If…
  • You own a home or investment property in California with real equity in it.
  • The money is going to a business, an investment property or a project.
  • You need $50K or more.
This Probably Isn’t a Fit If…
  • You need to borrow more than 65% of the property’s value, counting your first mortgage.
  • The money is for personal or household expenses.

Cash-Out Second Mortgages in Santa Ana

What to Know About Santa Ana

Santa Ana is the Orange County seat and one of the oldest, densest cities in the county. Its historic core around Downtown holds Victorian and Craftsman homes, Floral Park is known for larger 1920s and 1930s period houses, and the rest of the city is mostly postwar tract housing and apartments.

A lot of Santa Ana equity sits in older homes bought years ago with a small first mortgage left, along with duplexes and small apartment buildings. A private second can pull from that for a business purpose on your primary residence, or from a rental, and your first mortgage stays exactly where it is. Santa Ana has its own rent stabilization rules, so on rentals we look closely at the rent roll.

How It Works

Cash-Out 2nd Mortgage Terms

Your Primary Residence
Borrow against the home you live in when the money goes to a business or investment use. A signed business-purpose statement is part of closing.
Investment Property
Pull equity from a rental or other investment property and leave the first loan alone.
Keep Your First Mortgage
No need to give up a low-rate first loan just to access the equity behind it.
$50K–$5M+
Loan Amounts
2nd Position
Behind Your Existing 1st
Business Purpose
Primary or Investment Property

Rates, points and fees depend on the property and the deal and are disclosed in writing before you commit.

Where We Lend

Santa Ana Neighborhoods

We lend throughout Santa Ana and the rest of Orange County, including these areas.

Floral ParkFrench ParkDowntown Santa AnaWashington SquarePark SantiagoSouth Coast Metro

Straight Answers

Cash-Out Second Mortgages in Santa Ana: Questions

Does Santa Ana’s rent stabilization affect a second on my rental?

It’s part of how we look at the property. Rent rules shape what the building can earn, so bring your current rent roll along with the details of your first mortgage and how the loan will be repaid.

Do you lend in Santa Ana?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Santa Ana, rather than handing them to an out-of-state call center.

Can I borrow against my primary residence?

Yes, when the loan is for a business or investment purpose. That’s what sets us apart from many private lenders who won’t lend on an owner-occupied home. A signed business-purpose statement is required at closing, and the proceeds can’t be used for personal or household expenses.

More in Santa Ana

Construction Loans in Santa AnaFix and Flip Loans in Santa AnaLand Loans in Santa Ana

Cash-Out Second Mortgages Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveOrangeWestminsterBuena ParkTustinLaguna NiguelSan ClementeLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointLaguna BeachSan Juan CapistranoLaguna HillsSeal BeachStanton

Have Equity in Your Santa Ana Property?

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

Get Started → or call (818) 937-9987

Serving Santa Ana 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.