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

Construction Loans in Del Mar
Ground-Up, ADUs and Rebuilds.

Private construction financing for Del Mar 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 Del Mar

What to Know About Del Mar

Del Mar is one of the smallest cities in the county, a beach town known for the fairgrounds and racetrack along the San Dieguito River. Homes range from beach cottages in the low-lying Beach Colony to hillside houses with ocean views above the village, and the train tracks run along the bluffs.

Del Mar has a design review process that weighs view and neighborhood impact, and the entire city is in the coastal zone. Homes near the river mouth can carry flood-related building requirements, while hillside lots need grading and drainage plans. We underwrite to the approved plans and plan draws around that review time.

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

Del Mar Neighborhoods

We lend throughout Del Mar and the rest of San Diego County, including these areas.

Beach ColonyOlde Del Marthe village along Camino del Marthe North Beach areahillside neighborhoods above the village

Straight Answers

Construction Loans in Del Mar: Questions

How does Del Mar’s design review affect a construction loan?

It mostly affects timing. We underwrite to the plans once they’re approved and plan draws with that review in mind.

Do you lend in Del Mar?

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

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Construction Loans Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosEl CajonVistaSanteeLa MesaPowaySan DiegoNational CityEncinitasImperial BeachLemon GroveCoronadoSolana Beach

Have a Build in Del Mar?

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Serving Del Mar 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.