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

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

Tap the equity in your National City 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 National City

What to Know About National City

National City is one of the oldest cities in San Diego County, sitting on the bay between San Diego and Chula Vista next to Naval Base San Diego. Much of its housing is older single-family homes and small apartment buildings, with a few Victorian-era houses still standing near downtown.

Owners in National City often have held their homes or small rentals for a long time, and many have a first mortgage they’d hate to give up. A private second puts that equity to work for a business purpose without touching the existing loan. It can be secured by a primary residence or by investment property, including duplexes and small apartment buildings.

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

National City Neighborhoods

We lend throughout National City and the rest of San Diego County, including these areas.

Downtown National CityWestsideKimball Park areaEl Toyon Park areaLas Palmas Park areaPlaza Bonita area

Straight Answers

Cash-Out Second Mortgages in National City: Questions

I own a duplex in National City. Can I use its equity and keep my first loan?

Yes. A second mortgage on investment property leaves the first in place. Bring the leases if you have them.

Do you lend in National City?

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

Construction Loans in National CityFix and Flip Loans in National CityLand Loans in National City

Cash-Out Second Mortgages Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosEl CajonVistaSanteeLa MesaPowaySan DiegoEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have Equity in Your National City Property?

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

Get Started → or call (818) 937-9987

Serving National City 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.