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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Chula Vista, CA · Business-Purpose Lending

Cash-Out Second Mortgages in Chula Vista
Keep Your First Loan in Place.

Tap the equity in your Chula Vista primary residence or investment property for a business or investment purpose, without refinancing your existing first mortgage, subject to our underwriting.

✓ Keep your 1st mortgage
✓ Primary or investment property
✓ Equity-based approval
✓ $50K–$5M+
✓ Self-employed or turned down by a bank? We look at the equity first.
Check Your Eligibility
No obligation. We respond within 24 hours.

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Cash-Out Second Mortgages in Chula Vista

What to Know About Chula Vista

Chula Vista is really two cities: older neighborhoods in western Chula Vista, closer to the bay, and the large master-planned communities of the east, including Otay Ranch and Eastlake, many of which are inside Mello-Roos districts.

Chula Vista owners in both the older west side and the newer eastern communities often have equity they’d like to use while keeping a low-rate first mortgage. A private second accesses it for a business purpose on a primary residence, or from a rental, without refinancing.

How It Works

Cash-Out 2nd Mortgage Terms

Your Primary Residence
Borrow against the home you live in when the money goes to a business or investment use. A signed business-purpose statement is part of closing.
Investment Property
Pull equity from a rental or other investment property and leave the first loan alone.
Keep Your First Mortgage
No need to give up a low-rate first loan just to access the equity behind it.
$50K–$5M+
Loan Amounts
2nd Position
Behind Your Existing 1st
Business Purpose
Primary or Investment Property

Rates, points and fees depend on the property and the deal and are disclosed in writing before you commit.

Where We Lend

Chula Vista Neighborhoods

We lend throughout Chula Vista and the rest of San Diego County, including these areas.

Otay RanchEastlakeRolling Hills Ranchwestern Chula VistaBayfrontRancho del Rey

Straight Answers

Cash-Out Second Mortgages in Chula Vista: Questions

Does Mello-Roos in Otay Ranch affect a second mortgage?

It’s a carrying cost we factor in, not a deal-breaker. The first loan stays in place.

Do you lend in Chula Vista?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including Chula Vista, rather than routing them through an out-of-state call center.

Can I borrow against my primary residence?

Yes, when the loan is for a business or investment purpose. That’s what sets us apart from many private lenders who won’t lend on an owner-occupied home. A signed business-purpose statement is required at closing, and the proceeds can’t be used for personal or household expenses.

More in Chula Vista

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Cash-Out Second Mortgages Elsewhere in San Diego County

OceansideEscondidoCarlsbadSan MarcosEl CajonVistaSanteeLa MesaPowaySan DiegoNational CityEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have Equity in Your Chula Vista Property?

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

Get Started → or call (818) 937-9987

Serving Chula Vista 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.