Does MDI write second position loans?

Yes. MDI writes 2nds behind a conventional first, which most hard money lenders won't touch. Combined loan-to-value up to 65% in California.

First position starts at 10.5% in California. Second position runs 12.99% to 14%. All terms are subject to underwriting and disclosed in writing before any commitment.

Michael Daniel Investments

Bridge Loans

Q: How fast can you close?

You get an answer within 24 hours. From there we move straight to documents; speed comes from doing this for decades, not from cutting underwriting corners.

Q: What do you underwrite?

The deal, the way an operator does: realistic ARV, true rehab costs, honest exit analysis, and the equity in the property. FICO is weighed but the property leads.

MDIMichael Daniel Investments · Private Lending

Speak with the lender(818) 937-9987
Send the Deal

California Investor Financing · Direct Lender

Bridge capital from a lender who reads the deal.

Purchase, refi, or cash-out on California investment property. Underwritten like an operator — ARV, rehab budget, exit — with a yes or no in 24 hours.

1sts from 10.5%
65% LTV CA · 55% other states
$50K – $100M
2nds written

$100M+Projects & financing

DecadesPrivate lending

DirectLender, no committee

Send the deal

Step 1 of 2 · about a minute · no obligation

Loan type

Property type

Property state

Property value or purchase price

Loan amount needed

Your exit

Timeline

Please answer every question so we can quote the deal.

Name
Phone
Email
Company (optional)

Name, valid phone, and valid email are required.

Received. Yes or no with reasons, within 24 hours.

Faster if you call: (818) 937-9987

Loan Parameters

The real numbers, up front.

1st position	From 10.5% in California
2nd position (behind a conventional 1st)	12.99% – 14%
Loan-to-value	Up to 65% in California · up to 55% in other states
Loan types	Purchase, refi, cash-out, 2nds, fix & flip, bridge, ground-up, rental/DSCR, land, creative
Loan amounts	$50,000 – $100,000,000
Property types	SFR, 2–4 units, 5+ / commercial
Underwriting	ARV, rehab budget, exit, equity
Answer on your file	Within 24 hours

Current as of August 19, 2026. All terms subject to underwriting; points and fees disclosed in writing before any commitment.

Why Investors Come to MDI

The big shops are cheaper on paper. We fund the deals they decline.

2nd positions, actually written

Most hard money lenders won’t go behind a conventional 1st. MDI does — up to 65% combined LTV in California.

Underwritten like an operator

Realistic ARV, true rehab costs, honest exit analysis. The person reading your deal has structured deals for decades.

Structures that fit the deal

When no standard product fits, MDI builds one around the property and the plan — not a checkbox matrix.

Direct lender, no committee

You deal with the decision-maker from the first call to funding.

Speed without shortcuts

Fast because the systems are built for it, not because underwriting gets skipped. Answers in 24 hours.

Straight answers

A yes comes with numbers. A no comes with reasons. Either way you can move.

How It Works

Three steps. No runaround.

Send the deal

The one-minute form above, or a phone call. Property, numbers, exit, timeline.

Real numbers in 24 hours

Rate, leverage, and proceeds — or a clear no with the reason why.

Docs and funding

If the numbers work, we move straight to documents and close.

The Lender

“I’ve seen every kind of deal. The banks have their rules — we have our judgment. And our judgment has put over $100 million to work for investors who needed a different kind of lender.”

Michael Petrosian · Founder, Michael Daniel Investments

Michael Petrosian has spent decades in California real estate — analyzing deals, structuring financing, and getting projects across the finish line. Bring the deal that got declined; if there’s a structure that makes it work, he’ll find it, and if there isn’t, he’ll tell you fast.

Questions

Asked before, answered straight.

What is a bridge loan for investment property?

Short-term private financing that closes fast so you can acquire, reposition, or pull capital out of an investment property while you arrange your exit — sale, refinance, or hold. Up to 65% LTV in California, $50K to $100M.

Do you really write 2nd positions?

Yes — behind a conventional first, up to 65% combined loan-to-value in California. It’s one of the most common deals the big national lenders decline and MDI funds.

How fast can you close?

You get an answer within 24 hours, and from there it’s straight to documents. Speed comes from decades of doing this, not from skipping underwriting.

What do you underwrite?

The deal, the way you would: realistic ARV, true rehab costs, honest exit analysis, and the equity in the property. FICO is weighed but the property leads.

What will it cost?

First position from 10.5% in California; second position 12.99–14%. Points and fees are disclosed in writing before any commitment, and the quote costs nothing.

Do you lend outside California?

Yes. California is the core market at up to 65% LTV; other states are lent at up to 55% LTV, case by case. Send the deal and you’ll get a straight answer.