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

Cash-Out Second Mortgages in San Clemente
Keep Your First Loan in Place.

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

Tap the equity in your San Clemente 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 San Clemente

What to Know About San Clemente

San Clemente is the southernmost city in Orange County, bordered by Camp Pendleton, and its older core is known for white stucco and red tile roofs in the Spanish Colonial Revival style. Inland, Forster Ranch and Talega are newer master-planned communities, and coastal neighborhoods sit on bluffs above the beach and the rail line.

Coastal and older-core owners in San Clemente often have substantial equity, and newer Talega owners may also carry Mello-Roos taxes. A private second puts equity to work for a business purpose on a primary residence, or from investment property, without a refinance of the first. Special taxes and HOA dues are reviewed with the rest of the file.

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

San Clemente Neighborhoods

We lend throughout San Clemente and the rest of Orange County, including these areas.

Pier BowlNorth BeachShorecliffsCyprus ShoreForster RanchTalega

Straight Answers

Cash-Out Second Mortgages in San Clemente: Questions

I’m in Talega and pay Mello-Roos. Does that block a second mortgage?

No. The special tax is a carrying cost, and we review it along with HOA dues, your equity and your first mortgage. The loan must be for a business or investment purpose.

Do you lend in San Clemente?

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

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Cash-Out Second Mortgages Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveSanta AnaOrangeWestminsterBuena ParkTustinLaguna NiguelLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointLaguna BeachSan Juan CapistranoLaguna HillsSeal BeachStanton

Have Equity in Your San Clemente Property?

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

Get Started → or call (818) 937-9987

Serving San Clemente 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.