A Private Cash-Out 2nd Mortgage,
Built Around Your Irvine Property.
A private cash-out 2nd mortgage lets Irvine property owners tap their equity for a business or investment purpose, without refinancing an existing first mortgage, subject to our underwriting. Headquartered in Glendale, we underwrite Orange County deals directly.
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How It Works
Equity-Based, Not Credit-Score-Gated
Who It’s For
Homeowners and Investors
Plenty of private lenders won’t touch a primary residence. We lend on the home you live in when the loan has a business purpose, and on investment property too.
The Irvine Market
Master-Planned and HOA-Governed, With Its Own Quirks
Irvine is almost entirely master-planned: newer construction, standardized architecture, and HOA-governed communities across most neighborhoods. That consistency helps with comps, but HOA rules, CC&R restrictions, and newer-build financing details are still things a lender unfamiliar with the city can miss.
We underwrite Orange County deals, including Irvine, directly out of our Glendale office. We review the HOA documents and any existing liens or assessments as part of the file, rather than treating every master-planned property the same way.
Straight Answers
Questions Irvine Homeowners Ask
Do you actually work in Irvine, or is this a national call center?
We’re headquartered in Glendale and underwrite Orange County deals, including Irvine, directly — not through an out-of-state call center. Irvine’s master-planned, HOA-governed communities need a lender who actually reads the HOA documents, and that’s part of how we structure a file. When our own capital isn’t the right fit, we place it with a partner lender in our network.
My property is in an HOA-governed community — does that complicate a 2nd mortgage?
It doesn’t block it, but it is part of underwriting. We review the HOA’s CC&Rs and confirm there are no outstanding liens or special assessments that would affect your equity position before we finalize terms.
What’s the catch?
There isn’t one, but there is a constraint worth being clear about: MDI makes business-purpose loans only. Proceeds have to be used for a business or investment purpose, not personal or household expenses, and a signed business-purpose statement is required at closing. If you need money for personal use, we’re not the right lender.
Do you check credit?
Yes. Credit history is one factor alongside your equity position, the property’s condition, and the exit strategy. Equity carries more weight here than at a bank, but any lender telling you credit is irrelevant is not being straight with you.
What are your rates and fees?
They vary by product and situation, and they’re disclosed in writing before any commitment. Private money costs more than a bank loan. That’s the trade for speed and flexibility. We’ll show you the real numbers before you decide anything.
What if I don’t qualify?
We’ll tell you quickly, and where we can we’ll point you toward what would actually help. If you’re facing foreclosure, free counseling is available from a HUD-approved housing counselor at hud.gov/findacounselor or (888) 995-HOPE.
The Process
What Happens Next
Have Equity in Your Irvine Property?
No cost to apply. We’ll show you the real numbers.
Start the Conversation → or call (818) 937-9987Locations: Orange County, California
Michael Daniel Investments, Inc.
417 Arden Ave, Suite 121A, Glendale, CA 91203
California Department of Real Estate DRE# 02037255 and NMLS# 233991.