Construction Loans in San Diego
Ground-Up, ADUs and Rebuilds.
Private construction financing for San Diego builders and investors, with draws tied to completed work and inspection milestones.
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Construction Loans in San Diego
What to Know About San Diego
The City of San Diego stretches from coastal neighborhoods like La Jolla and Point Loma to inland mesas and the northern suburbs around Rancho Bernardo. Canyons cut through many of its older urban neighborhoods, and the housing ranges from early twentieth-century Craftsman bungalows in North Park to post-war tract homes in Clairemont and newer planned communities farther north.
A big share of construction in the city is ADUs and companion units, and the single-family lots of Clairemont and Mira Mesa see plenty of them. West of I-5, the coastal height limit caps how tall you can build, and coastal development permits are common near the beach. North Park has designated historic districts where exterior work gets extra review. We underwrite to the approved plans and set draws around each inspection.
How It Works
Construction Loan Terms
Rates, leverage, points and fees depend on the project and are disclosed in writing before you commit.
Where We Lend
San Diego Neighborhoods
We lend throughout San Diego and the rest of San Diego County, including these areas.
Straight Answers
Construction Loans in San Diego: Questions
Does the coastal height limit apply to my Point Loma rebuild?
If the lot is in the coastal zone west of I-5, generally yes, and that shapes the plans. We underwrite to whatever the city approves.
Do you lend in San Diego?
Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including San Diego, 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 San Diego
Construction Loans Elsewhere in San Diego County
Have a Build in San Diego?
Tell us about it and we’ll give you a straight answer.
Get Started → or call (818) 937-9987Serving San Diego 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.