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

Construction Loans in Dana Point
Ground-Up, ADUs and Rebuilds.

Private construction financing for Dana Point 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 Dana Point

What to Know About Dana Point

Dana Point wraps around its harbor and the headlands above it, and most of the city lies within the California coastal zone. The Lantern District mixes older cottages with newer mixed-use buildings, Capistrano Beach lines a narrow strip of coast, and Monarch Beach and Niguel Shores include planned, gated enclaves.

Most Dana Point building projects need a coastal development permit, and lots on bluffs or near the sand often need geotechnical work and specific setbacks. Rebuilds of older Lantern District cottages come up often. Approval can take a while before anything breaks ground, so we set the draw schedule against the approved plans and a realistic permit timeline.

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

Dana Point Neighborhoods

We lend throughout Dana Point and the rest of Orange County, including these areas.

Lantern DistrictCapistrano BeachMonarch BeachNiguel ShoresThe Strand at HeadlandsDana Point Harbor area

Straight Answers

Construction Loans in Dana Point: Questions

How long does a coastal permit add to a Lantern District rebuild?

It varies by project, and we don’t promise timelines we don’t control. We underwrite to approved plans and build the draw schedule around where your permits actually stand.

Do you lend in Dana Point?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Dana Point, rather than handing them to 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 Dana Point

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Construction Loans Elsewhere in Orange County

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Have a Build in Dana Point?

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

Get Started → or call (818) 937-9987

Serving Dana Point 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.