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

Land Loans in San Diego
Raw and Entitled Land Financing.

Financing for raw, unentitled and entitled land in and around San Diego, sized against the appraised value of the parcel.

✓ Raw & entitled land
✓ Purchase or refinance
✓ Up to 50% LTV
✓ $50K–$5M+
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Land 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.

Most vacant land left in the city is on canyon slopes or hillside infill, along with some parcels in the northern areas near Rancho Bernardo where fire hazard zones apply. Slope and sewer availability usually decide what a lot is worth. We lend up to 50% of appraised value on purchase or refinance, and the appraisal is required.

How It Works

Land Loan Terms

Based on Appraised Value
The loan is sized against the land’s appraised value, not the purchase price. Without an appraisal, we can’t lend.
50% LTV Maximum
We lend up to 50% of appraised value, whether you’re buying the parcel or refinancing one you own.
Raw or Entitled
Vacant, unentitled and entitled parcels, where most conventional lenders won’t go.
Up to 50%
Of Appraised Value
$50K–$5M+
Loan Amounts
Appraisal
Required

Rates, points and fees depend on the parcel and the deal 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.

North ParkClairemontPoint LomaLa JollaMira MesaCity HeightsRancho Bernardo

Straight Answers

Land Loans in San Diego: Questions

Do you lend on canyon lots in San Diego?

Yes, up to 50% of appraised value. Slope and sewer access weigh heavily in how those lots appraise.

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 much can I borrow against land?

Up to 50% of the appraised value, purchase or refinance. That’s a ceiling, and the appraisal sets the number, so we can’t move forward on a file without one.

More in San Diego

Cash-Out Second Mortgages in San DiegoConstruction Loans in San DiegoFix and Flip Loans in San Diego

Land Loans Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosEl CajonVistaSanteeLa MesaPowayNational CityEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have a Parcel in San Diego?

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

Get Started → or call (818) 937-9987

Serving 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.