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

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

Check Your Eligibility ↓
Call (818) 937-9987Get Started

Tap the equity in your Gardena 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. A real person will follow up.

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Know Before You Call

Do You Qualify? What to Expect

Up to 65% Combined LTV
Your first mortgage plus the new 2nd can total up to 65% of the property’s appraised value in California.
$50K to $5M+
Loan amounts start at $50K.
Business or Investment Purpose Only
Proceeds go to a business or investment use, and you sign a business-purpose statement at closing.
Rates and Fees in Writing
You get the rate and fees in writing before you commit to anything.

Quick Self-Check

Is This the Right Loan for You?

This May Be a Fit If…
  • You own a home or investment property in California with real equity in it.
  • The money is going to a business, an investment property or a project.
  • You need $50K or more.
This Probably Isn’t a Fit If…
  • You need to borrow more than 65% of the property’s value, counting your first mortgage.
  • The money is for personal or household expenses.

Cash-Out Second Mortgages in Gardena

What to Know About Gardena

Gardena is a flat South Bay city bordered by the 405, 110 and 91 Freeways, with its own municipal bus system and a long history as a center of the region’s Japanese American community. Housing is mostly modest single-family homes from the 1940s through the 1960s, mixed with townhomes, condos and lots zoned for more than one unit.

Gardena owners often hold a house on a lot zoned for more units, a townhome or a small rental building. If your first mortgage is worth keeping, we can lend behind it for a business or investment purpose, on your residence or an investment property. With income property, we look at current rents and the condition of each unit. Your first loan is left as it is.

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

Gardena Neighborhoods

We lend throughout Gardena and the rest of Los Angeles County, including these areas.

North GardenaSouth GardenaGardena Boulevard districtneighborhoods around Rowley ParkMas Fukai Park areaRosecrans Avenue corridor

Straight Answers

Cash-Out Second Mortgages in Gardena: Questions

Can I use equity in my Gardena rental for another investment?

Yes. A second goes behind the existing first on that rental, and the first loan stays as it is. Bring current rents and leases.

Do you lend in Gardena?

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

Construction Loans in GardenaFix and Flip Loans in GardenaLand Loans in Gardena

Cash-Out Second Mortgages Elsewhere in Los Angeles County

Santa ClaritaLong BeachGlendaleTorranceBurbankPasadenaWest CovinaDowneyHawthorneCarsonLos AngelesLancasterPalmdalePomonaEl MonteInglewoodNorwalkComptonSanta MonicaWhittierAlhambraLakewoodBellflowerRedondo BeachArcadiaDiamond BarCulver CityMonterey ParkGlendora

Have Equity in Your Gardena Property?

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

Get Started → or call (818) 937-9987

Serving Gardena and Los Angeles 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.