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

Construction Loans in Gardena
Ground-Up, ADUs and Rebuilds.

Private construction financing for Gardena builders and investors, with draws tied to completed work and inspection milestones.

✓ Ground-up & rebuilds
✓ ADUs & additions
✓ Staged draws
✓ $50K–$5M+
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Construction Loans 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’s residential zoning lets many owners add units, so a lot of the building activity is ADUs, rear units and small townhome projects replacing an older house. Flat lots keep site work simpler than in the hills to the south. Older lots can still bring surprises, like an outdated sewer connection or unpermitted additions. We underwrite to the approved plans and release draws stage by stage.

How It Works

Construction Loan Terms

Staged Draws
Funds are released as work is completed and inspected, so the loan follows the build instead of a generic schedule.
Plans and Budget First
We underwrite against your approved plans, a realistic budget and the completed value of the project.
Spec or Custom
Spec homes, custom builds, tear-down rebuilds, additions and ADUs.
$50K–$5M+
Loan Amounts
Staged Draws
Tied to Inspections
Plans + Budget
Underwritten Together

Rates, leverage, points and fees depend on the project 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

Construction Loans in Gardena: Questions

My Gardena lot is zoned for more than one unit. Will you fund a small townhome project?

We can, based on the approved plans and the full budget. Draws are released as each stage passes inspection.

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.

How do construction draws work?

The loan is released in stages. As each phase of work is completed, it’s inspected, and the next draw is funded. That keeps the money matched to progress on the job.

More in Gardena

Cash-Out Second Mortgages in GardenaFix and Flip Loans in GardenaLand Loans in Gardena

Construction Loans Elsewhere in Los Angeles County

Santa ClaritaLong BeachGlendaleTorranceBurbankPasadenaWest CovinaDowneyHawthorneCarsonLos AngelesLancasterPalmdalePomonaEl MonteInglewoodNorwalkComptonSanta MonicaWhittierAlhambraLakewoodBellflowerRedondo BeachArcadiaDiamond BarCulver CityMonterey ParkGlendora

Have a Build in Gardena?

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.