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Imperial Beach, CA · Construction Financing

Construction Loans in Imperial Beach
Ground-Up, ADUs and Rebuilds.

Private construction financing for Imperial Beach 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 Imperial Beach

What to Know About Imperial Beach

Imperial Beach is a small, flat beach city in the far southwest corner of the county, bordered by the Tijuana River Estuary, the Silver Strand and the Mexican border. Its housing is mostly modest older homes, beach cottages and small apartment buildings, and the Navy’s helicopter training field sits next to town.

Construction in Imperial Beach is mostly ADUs, small multi-unit rebuilds and replacements of older cottages. Most of the city is in the coastal zone, and low-lying areas near the estuary and the ocean can carry flood considerations that affect design. We fund to the approved plans and schedule draws around inspections.

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

Imperial Beach Neighborhoods

We lend throughout Imperial Beach and the rest of San Diego County, including these areas.

Seacoast Drive areaOld Palm Avenue corridorneighborhoods near the Tijuana River EstuaryImperial Beach Boulevard areaneighborhoods by the Silver Strand

Straight Answers

Construction Loans in Imperial Beach: Questions

Does flood risk change construction plans in Imperial Beach?

In low-lying areas near the estuary and the ocean, it can. We underwrite to the plans the city approves and fund draws as work is inspected.

Do you lend in Imperial Beach?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including Imperial Beach, rather than routing them through 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.

Construction Loans Elsewhere in San Diego County

Chula Vista Oceanside Escondido Carlsbad San Marcos El Cajon Vista Santee La Mesa Poway San Diego National City Encinitas Lemon Grove Coronado Solana Beach Del Mar

Have a Build in Imperial Beach?

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

Get Started → or call (818) 937-9987

Serving Imperial Beach 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.

Construction Loans in Imperial BeachGround-Up, ADUs and Rebuilds.