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

Cash-Out Second Mortgages in El Cajon
Keep Your First Loan in Place.

Tap the equity in your El Cajon 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 El Cajon

What to Know About El Cajon

El Cajon sits in a valley in East County, with mid-century homes on the valley floor, hillside neighborhoods like Fletcher Hills and Granite Hills around the rim, and a significant number of mobile home parks.

Many El Cajon owners have held their homes for years and built steady equity, often with a low-rate first mortgage. A private second accesses that equity for a business purpose on a primary residence, or from a rental, without a refinance.

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

El Cajon Neighborhoods

We lend throughout El Cajon and the rest of San Diego County, including these areas.

Fletcher HillsGranite HillsDowntown El CajonBostonianeighborhoods along the valley rim

Straight Answers

Cash-Out Second Mortgages in El Cajon: Questions

Can I use equity from my El Cajon home without refinancing?

Yes. A second mortgage leaves your first loan in place.

Do you lend in El Cajon?

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

Construction Loans in El CajonFix and Flip Loans in El CajonLand Loans in El Cajon

Cash-Out Second Mortgages Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosVistaSanteeLa MesaPowaySan DiegoNational CityEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have Equity in Your El Cajon Property?

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

Get Started → or call (818) 937-9987

Serving El Cajon 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.